Kansas City, MO · Cert 19582
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.12% | -13.21% | -0.14% | -1.43% | -176 bps | |
| Return on Equity | 5.09% | 1.74% | -245% | -3.67% | -38.30% | -4,339 bps | |
| Net Interest Margin | 3.13% | 3.13% | 3.12% | 3.06% | 2.87% | -26 bps | |
| Efficiency Ratio | 80.38% | 80.53% | 167.15% | 101.48% | 139.48% | +5,910 bps | |
| Non-Interest Burden | 2.49% | 2.49% | 4.26% | 3.11% | 3.79% | +130 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.81% | -16.23% | -18.20% | -14.59% | -10.90% | +991 bps | |
| Loan Growth (YoY) | -20.55% | -21.72% | -22.77% | -23.46% | -18.21% | +233 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.41% | -0.03% | 29.21% | 0.48% | 0.67% | +26 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.88% | 9.24% | 5.75% | 5.93% | 5.44% | -344 bps | |
| Equity / Assets | 6.61% | 6.68% | 3.96% | 3.91% | 3.57% | -304 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.27% | 96.83% | 87.11% | 83.22% | 82.45% | -1,882 bps | |
| Liquid Assets / Assets | 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 |