Kansas City, MO · Cert 32964
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.
Kansas City, MO · Cert 32964
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 | -0.43% | -3.62% | -5.85% | -7.56% | -7.12% | -2.47% | -2.31% | -2.00% | +556 bps | |
| Return on Equity | -4.42% | -36.12% | -57.97% | -80.21% | -82.37% | -47.05% | -45.86% | -40.56% | +3,965 bps | |
| Net Interest Margin | 2.56% | 1.52% | 1.57% | 1.55% | 1.37% | 0.89% | 0.81% | 0.82% | -73 bps | |
| Efficiency Ratio | 58.82% | 98.59% | 94.10% | 96.08% | 96.45% | 107.84% | 159.29% | 155.38% | +5,930 bps | |
| Non-Interest Burden | 1.11% | 1.50% | 1.44% | 1.46% | 1.81% | 1.04% | 1.62% | 1.67% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.22% | -2.75% | -5.19% | -1.78% | -3.46% | -0.05% | 3.20% | -3.90% | -212 bps | |
| Loan Growth (YoY) | -6.18% | -11.37% | -10.24% | -16.04% | -22.10% | -28.60% | -32.66% | -33.87% | -1,782 bps | |
| Deposit Growth (YoY) | 7.32% | -4.70% | -4.48% | 1.22% | 0.64% | 8.31% | 13.40% | 2.35% | +113 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 | 2.34% | 2.03% | 5.08% | 6.93% | 8.90% | 4.96% | 4.73% | 6.11% | -82 bps | |
| Allowance / Loans | 2.07% | 3.67% | 4.76% | 6.79% | 6.70% | 7.32% | 7.72% | 7.00% | +22 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 | 12.50% | 14.54% | 13.79% | 11.06% | 10.49% | 10.15% | 10.03% | 10.25% | -81 bps | |
| Equity / Assets | 9.23% | 10.83% | 10.24% | 7.34% | 5.56% | 4.96% | 4.60% | 4.53% | -281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.49% | 94.19% | 96.79% | 85.49% | 70.81% | 62.09% | 57.48% | 55.24% | -3,025 bps | |
| Liquid Assets / Assets | 12.98% | 12.62% | 11.41% | 19.27% | 29.29% | 35.33% | 39.10% | 41.64% | +2,237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |