Leawood, KS · Cert 13155
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.51% | 0.91% | 0.94% | 2.71% | 0.73% | 1.24% | -0.08% | -102 bps | |
| Return on Equity | 7.09% | 5.78% | 10.55% | 10.98% | 29.73% | 7.71% | 13.53% | -0.88% | -1,186 bps | |
| Net Interest Margin | 3.88% | 4.36% | 3.23% | 2.92% | 3.06% | 3.12% | 3.18% | 3.14% | +22 bps | |
| Efficiency Ratio | 80.93% | 63.56% | 58.39% | 56.16% | 28.78% | 47.08% | 41.32% | 74.53% | +1,837 bps | |
| Non-Interest Burden | 2.91% | 2.50% | 1.74% | 1.51% | -1.66% | 1.27% | 1.10% | 2.27% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.19% | 89.56% | 80.74% | 83.35% | 24.44% | -3.88% | -3.19% | -2.86% | -8,621 bps | |
| Loan Growth (YoY) | 33.93% | 73.43% | 75.75% | 90.71% | 31.30% | 4.12% | 1.72% | 1.56% | -8,915 bps | |
| Deposit Growth (YoY) | 43.03% | 92.52% | 74.81% | 96.44% | 22.98% | -1.80% | -3.39% | -2.68% | -9,911 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 | 0.32% | 0.16% | 0.36% | 0.13% | 0.06% | 0.19% | 0.16% | 1.21% | +107 bps | |
| Allowance / Loans | 1.25% | 1.16% | 1.03% | 1.01% | 1.14% | 1.13% | 1.12% | 1.12% | +11 bps | |
| 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 | 11.78% | 11.15% | 10.72% | 10.63% | 12.05% | 10.93% | 10.59% | 10.36% | -28 bps | |
| Equity / Assets | 9.01% | 8.59% | 8.58% | 8.52% | 9.76% | 9.27% | 9.10% | 8.86% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.63% | 94.82% | 98.78% | 100.03% | 101.03% | 100.53% | 104.01% | 104.39% | +436 bps | |
| Liquid Assets / Assets | 5.95% | 10.08% | 9.60% | 9.34% | 9.79% | 9.69% | 9.17% | 9.03% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |