Bird City, KS · Cert 9655
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Bird City, KS · Cert 9655
FDIC
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.12% | 1.18% | 1.02% | 1.08% | 1.25% | 1.16% | 0.24% | -78 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.89% | 4.46% | 4.34% | 4.36% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 59.24% | 57.25% | 60.47% | 62.29% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 2.22% | 2.47% | 2.55% | 2.64% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.37% | -3.50% | -4.09% | -4.51% | -6.68% | -6.70% | -2.98% | -8.10% | -359 bps | |
| Loan Growth (YoY) | -1.35% | -7.11% | 1.54% | 6.78% | 5.49% | 11.84% | 23.72% | -19.48% | -2,625 bps | |
| Deposit Growth (YoY) | -3.18% | -5.13% | -6.30% | -7.52% | -10.47% | -10.50% | 4.01% | -0.21% | +731 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | 0.00% | -0.03% | -0.06% | 7.96% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 5.60% | 5.51% | 4.96% | 3.61% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | 48.74% | 48.47% | 25.42% | 27.96% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 20.32% | 20.79% | 12.22% | 11.73% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.68% | 35.62% | 37.08% | 41.52% | 43.22% | 44.52% | 44.11% | 33.51% | -802 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 22.34% | 19.47% | 16.20% | 14.15% | +1,415 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |