Overland Park, KS · Cert 22173
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Overland Park, KS · Cert 22173
FDIC
Q3 2010
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | 0.02% | -2.71% | -3.00% | -4.48% | -2.56% | -7.37% | -5.51% | -251 bps | |
| Return on Equity | -2.99% | 0.28% | -34.08% | -40.09% | -65.44% | -65.34% | -258% | -246% | -20,612 bps | |
| Net Interest Margin | 3.24% | 2.41% | 2.11% | 1.98% | 1.88% | 1.55% | 1.60% | 1.55% | -43 bps | |
| Efficiency Ratio | 41.15% | 63.27% | 83.07% | 92.65% | 97.77% | 125.89% | 134.19% | 140.98% | +4,833 bps | |
| Non-Interest Burden | 1.18% | 1.43% | 1.70% | 1.82% | 1.92% | 2.01% | 2.23% | 2.30% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.29% | -0.47% | -1.24% | 0.43% | -8.33% | -8.80% | -11.69% | -16.23% | -1,665 bps | |
| Loan Growth (YoY) | 2.67% | -8.76% | -10.13% | -14.25% | -20.55% | -22.57% | -25.66% | -25.38% | -1,113 bps | |
| Deposit Growth (YoY) | 12.31% | 1.84% | 3.43% | 6.73% | -1.76% | -2.15% | -4.62% | -10.68% | -1,741 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 | 3.12% | 0.30% | 4.86% | 5.27% | 8.12% | 4.09% | 11.20% | 8.22% | +295 bps | |
| Allowance / Loans | 1.36% | 1.65% | 2.07% | 2.15% | 2.69% | 2.65% | 3.27% | 3.35% | +120 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 | 10.30% | 10.68% | 8.86% | 8.22% | 6.42% | 5.95% | 1.63% | 0.61% | -760 bps | |
| Equity / Assets | 8.23% | 8.48% | 7.14% | 6.07% | 4.10% | 3.72% | 0.62% | 0.24% | -583 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.96% | 95.47% | 89.37% | 82.45% | 79.22% | 75.54% | 69.65% | 68.88% | -1,357 bps | |
| Liquid Assets / Assets | 7.17% | 8.52% | 10.76% | 12.27% | 10.33% | 10.95% | 13.17% | 12.26% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |