Kansas City, KS · Charter 14780
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Kansas City, KS · Charter 14780
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.47% | 3.21% | 2.31% | 1.53% | -0.85% | -38 bps | |
| Return on Equity | 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 | 6.03% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 113.89% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 7.37% | -26.16% | -13.04% | -16.29% | -38.34% | -4,572 bps | |
| Loan Growth (YoY) | -0.25% | -9.80% | -8.68% | -28.99% | -26.09% | -2,584 bps | |
| Share Growth (YoY) | 11.40% | -29.11% | -11.86% | -13.87% | -44.59% | -5,600 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.97% | 5.45% | 4.55% | 6.73% | 9.02% | -395 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.93% | 7.83% | 3.94% | 5.46% | 5.79% | -114 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.33% | 117.04% | 117.49% | 103.32% | 113.82% | +2,849 bps | |
| Liquid Assets / Assets | 29.33% | 8.12% | 8.14% | 15.01% | 9.06% | -2,027 bps | |