Topeka, KS · Charter 7550
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Topeka, KS · Charter 7550
Q2 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.57% | 0.58% | 0.56% | 0.54% | 0.52% | 0.49% | 0.48% | -7 bps | |
| Return on Equity | n/a | 4.31% | 4.51% | 4.33% | 4.18% | 4.05% | 3.87% | 3.83% | -50 bps | |
| Net Interest Margin | 2.99% | 2.94% | 2.75% | 2.78% | 2.73% | 2.71% | 2.47% | 2.53% | -25 bps | |
| Efficiency Ratio | 78.71% | 80.56% | 80.38% | 81.04% | 81.44% | 80.87% | 82.07% | 82.47% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.62% | -4.16% | 0.91% | 4.01% | 6.81% | 8.03% | 5.50% | 6.18% | +217 bps | |
| Loan Growth (YoY) | -1.24% | 2.95% | 4.11% | 0.46% | -1.81% | -4.72% | -2.82% | 1.95% | +150 bps | |
| Share Growth (YoY) | -5.86% | -5.51% | -2.96% | 0.65% | 5.37% | 6.88% | 7.55% | 8.28% | +763 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.91% | 1.57% | 1.37% | 1.91% | 1.33% | 1.34% | 1.48% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.58% | 0.61% | 0.54% | 0.54% | 0.52% | 0.51% | 0.49% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 13.32% | 12.75% | 12.86% | 12.94% | 12.85% | 12.57% | 12.59% | -27 bps | |
| Net Worth / Assets | n/a | 13.32% | 12.75% | 12.86% | 12.94% | 12.85% | 12.57% | 12.59% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.60% | 40.52% | 39.18% | 38.82% | 37.83% | 36.12% | 35.40% | 36.55% | -227 bps | |
| Liquid Assets / Assets | 34.93% | 35.92% | 41.78% | 46.51% | 43.93% | 36.58% | 36.92% | 41.94% | -457 bps | |