Kansas City, MO · Cert 25231
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 25231
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.11% | -2.42% | -4.07% | -5.88% | -5.47% | -5.40% | -4.34% | -17.29% | -1,140 bps | |
| Return on Equity | -25.16% | -28.61% | -48.66% | -68.18% | -60.85% | -59.26% | -46.40% | -244% | -17,550 bps | |
| Net Interest Margin | 3.75% | 3.88% | 2.14% | 2.38% | 2.85% | 3.12% | 2.86% | 2.91% | +53 bps | |
| Efficiency Ratio | 121.77% | 134.69% | 196.82% | 283% | 236% | 215% | 260% | 232% | -5,118 bps | |
| Non-Interest Burden | 4.57% | 5.31% | 4.61% | 6.02% | 6.52% | 6.86% | 7.62% | 8.06% | +204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.87% | -23.55% | -16.05% | -21.37% | -29.31% | -29.26% | -29.21% | -31.51% | -1,015 bps | |
| Loan Growth (YoY) | -32.31% | -34.12% | -31.25% | -28.52% | -24.79% | -17.53% | -17.05% | -18.53% | +1,000 bps | |
| Deposit Growth (YoY) | -17.51% | -19.81% | -13.57% | -15.40% | -27.30% | -26.68% | -30.48% | -30.12% | -1,472 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 | 4.26% | 4.26% | -0.05% | 4.63% | 4.80% | 3.96% | 2.53% | 13.17% | +854 bps | |
| Allowance / Loans | 2.39% | 2.21% | 3.09% | 2.80% | 2.75% | 3.47% | 3.11% | 3.57% | +77 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 | 12.07% | 10.84% | 10.79% | 13.91% | 11.13% | 10.53% | 9.24% | 3.73% | -1,018 bps | |
| Equity / Assets | 9.06% | 8.85% | 7.86% | 9.23% | 10.33% | 9.75% | 8.95% | 1.97% | -727 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.44% | 83.29% | 78.42% | 78.18% | 87.36% | 93.69% | 93.57% | 91.15% | +1,297 bps | |
| Liquid Assets / Assets | 5.69% | 6.14% | 9.33% | 8.70% | 7.79% | 5.87% | 8.61% | 5.65% | -305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |