Kansas City, KS · Charter 14780
Q4 1999
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.03% | 3.44% | -5.47% | -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 | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.03% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 113.89% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -33.35% | -36.90% | -26.05% | 7.37% | -26.16% | -13.04% | -16.29% | -38.34% | -4,572 bps | |
| Loan Growth (YoY) | -17.96% | -13.61% | 5.67% | -0.25% | -9.80% | -8.68% | -28.99% | -26.09% | -2,584 bps | |
| Share Growth (YoY) | -38.07% | -40.98% | -32.67% | 11.40% | -29.11% | -11.86% | -13.87% | -44.59% | -5,600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.04% | 14.94% | 8.96% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.52% | 3.52% | 6.04% | 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 | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.99% | 113.40% | 125.30% | 85.33% | 117.04% | 117.49% | 103.32% | 113.82% | +2,849 bps | |
| Liquid Assets / Assets | 15.83% | 8.05% | 7.05% | 29.33% | 8.12% | 8.14% | 15.01% | 9.06% | -2,027 bps | |