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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.56% | -7.12% | -2.47% | -2.31% | -2.00% | +556 bps | |
| Return on Equity | -80.21% | -82.37% | -47.05% | -45.86% | -40.56% | +3,965 bps | |
| Net Interest Margin | 1.55% | 1.37% | 0.89% | 0.81% | 0.82% | -73 bps | |
| Efficiency Ratio | 96.08% | 96.45% | 107.84% | 159.29% | 155.38% | +5,930 bps | |
| Non-Interest Burden | 1.46% | 1.81% | 1.04% | 1.62% | 1.67% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.78% | -3.46% | -0.05% | 3.20% | -3.90% | -212 bps | |
| Loan Growth (YoY) | -16.04% | -22.10% | -28.60% | -32.66% | -33.87% | -1,782 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 6.93% | 8.90% | 4.96% | 4.73% | 6.11% | -82 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.06% | 10.49% | 10.15% | 10.03% | 10.25% | -81 bps | |
| Equity / Assets | 7.34% | 5.56% | 4.96% | 4.60% | 4.53% | -281 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.49% | 70.81% | 62.09% | 57.48% | 55.24% | -3,025 bps | |
| Liquid Assets / Assets | 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 |