Overland Park, KS · Cert 33789
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 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 33789
FDIC
Q2 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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -0.16% | -0.49% | -0.84% | -1.13% | -1.11% | 0.97% | 0.06%1 | +90 bps | |
| Return on Equity | -0.37% | -2.32% | -6.85% | -11.82% | -15.82% | -14.80% | 9.79% | 0.55% | +1,238 bps | |
| Net Interest Margin | 3.93% | 4.11% | 4.69% | 5.12% | 5.71% | 6.19% | 3.22% | 3.31% | -181 bps | |
| Efficiency Ratio | 58.44% | 58.05% | 51.13% | 50.86% | 49.39% | 48.66% | 85.20% | 81.37% | +3,051 bps | |
| Non-Interest Burden | 1.97% | 2.06% | 2.02% | 2.20% | 2.39% | 2.55% | 2.63% | 2.54% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.05% | -7.68% | -11.37% | -11.78% | -12.86% | -17.77% | -20.93% | -20.22% | -844 bps | |
| Loan Growth (YoY) | 4.64% | 4.58% | -9.13% | -24.99% | -29.86% | -36.22% | -27.27% | -18.49% | +650 bps | |
| Deposit Growth (YoY) | -10.26% | -7.79% | -11.90% | -12.76% | -12.68% | -19.45% | -24.32% | -23.70% | -1,095 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 | 1.43% | 1.45% | 2.58% | 4.36% | 5.51% | 5.84% | 2.73% | 2.16% | -219 bps | |
| Allowance / Loans | 1.48% | 2.00% | 2.40% | 3.33% | 4.34% | 5.50% | 1.78% | 2.45% | -87 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 | 11.73% | 11.60% | 11.89% | 12.37% | 13.24% | 16.72% | 23.45% | 24.79% | +1,243 bps | |
| Equity / Assets | 7.28% | 7.01% | 7.18% | 7.12% | 7.31% | 8.94% | 11.00% | 11.16% | +404 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.59% | 98.98% | 100.49% | 84.24% | 82.40% | 78.37% | 96.58% | 90.00% | +576 bps | |
| Liquid Assets / Assets | 4.50% | 4.20% | 3.78% | 20.74% | 19.77% | 19.01% | 0.21% | 5.85% | -1,489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |