Overland Park, KS · Cert 33789
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.21% | -1.75% | -1.03% | 0.97% | -0.91% | +30 bps | |
| Return on Equity | -16.88% | -24.24% | -12.70% | 9.79% | -8.18% | +870 bps | |
| Net Interest Margin | 5.39% | 6.18% | 6.10% | 3.22% | 3.28% | -211 bps | |
| Efficiency Ratio | 50.61% | 46.74% | 46.41% | 85.20% | 77.52% | +2,691 bps | |
| Non-Interest Burden | 2.32% | 2.45% | 2.38% | 2.63% | 2.35% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.78% | -12.86% | -17.77% | -20.93% | -20.22% | -844 bps | |
| Loan Growth (YoY) | -24.99% | -29.86% | -36.22% | -27.27% | -18.49% | +650 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 5.50% | 6.86% | 5.07% | 2.73% | 1.29% | -421 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.37% | 13.24% | 16.72% | 23.45% | 24.79% | +1,243 bps | |
| Equity / Assets | 7.12% | 7.31% | 8.94% | 11.00% | 11.16% | +404 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.24% | 82.40% | 78.37% | 96.58% | 90.00% | +576 bps | |
| Liquid Assets / Assets | 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 |