Kansas City, MO · Cert 19582
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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, MO · Cert 19582
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.92% | -2.78% | -3.93% | 0.33% | 0.22% | -4.08% | -3.15% | -1.43% | -176 bps | |
| Return on Equity | -49.72% | -35.20% | -51.70% | 5.09% | 3.40% | -68.89% | -56.76% | -38.30% | -4,339 bps | |
| Net Interest Margin | 2.78% | 3.12% | 3.21% | 3.13% | 3.18% | 3.26% | 3.36% | 2.87% | -26 bps | |
| Efficiency Ratio | 76.62% | 80.97% | 82.44% | 80.38% | 80.46% | 97.45% | 98.42% | 139.48% | +5,910 bps | |
| Non-Interest Burden | 2.05% | 2.49% | 2.61% | 2.49% | 2.53% | 3.18% | 3.31% | 3.79% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.31% | -15.60% | -15.81% | -20.81% | -16.23% | -18.20% | -14.59% | -10.90% | +991 bps | |
| Loan Growth (YoY) | -9.69% | -16.06% | -15.44% | -20.55% | -21.72% | -22.77% | -23.46% | -18.21% | +233 bps | |
| Deposit Growth (YoY) | -1.09% | -10.14% | -11.59% | -18.02% | -17.71% | -8.00% | -5.09% | 0.46% | +1,848 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 | 0.27% | 0.80% | 1.66% | 0.41% | 0.20% | 9.89% | 7.88% | 0.67% | +26 bps | |
| Allowance / Loans | 4.86% | 4.97% | 6.61% | 7.14% | 7.66% | 5.19% | 5.37% | 5.45% | -169 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 | 9.61% | 10.12% | 8.34% | 8.88% | 9.24% | 5.75% | 5.93% | 5.44% | -344 bps | |
| Equity / Assets | 7.34% | 7.89% | 6.22% | 6.61% | 6.68% | 3.96% | 3.91% | 3.57% | -304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.79% | 103.77% | 103.19% | 101.27% | 96.83% | 87.11% | 83.22% | 82.45% | -1,882 bps | |
| Liquid Assets / Assets | 8.56% | 7.47% | 7.47% | 7.34% | 10.55% | 7.17% | 11.47% | 13.78% | +644 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |