Kansas City, MO · Cert 25231
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.89% | -3.48% | -4.07% | -7.70% | -4.36% | -5.25% | -4.34% | -30.73% | -2,302 bps | |
| Return on Equity | -32.35% | -38.89% | -48.66% | -90.45% | -44.77% | -52.23% | -46.40% | -541% | -45,072 bps | |
| Net Interest Margin | 3.26% | 3.49% | 2.14% | 2.58% | 3.14% | 2.87% | 2.86% | 2.83% | +25 bps | |
| Efficiency Ratio | 172.09% | 168.73% | 196.82% | 446% | 177.25% | 166.13% | 260% | 213% | -23,285 bps | |
| Non-Interest Burden | 5.07% | 6.61% | 4.61% | 7.34% | 5.89% | 5.47% | 7.62% | 8.15% | +81 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 | 4.71% | 3.09% | -0.05% | 9.31% | 4.40% | 1.49% | 2.53% | 23.58% | +1,427 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 |