Lenexa, KS · Cert 34080
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Lenexa, KS · Cert 34080
FDIC
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.11% | -0.36% | -0.58% | -0.63% | -0.12% | 0.07% | 0.15% | +73 bps | |
| Return on Equity | -0.10% | -0.82% | -2.63% | -4.06% | -3.90% | -0.77% | 0.42% | 0.97% | +503 bps | |
| Net Interest Margin | 3.18% | 3.77% | 3.89% | 3.77% | 3.45% | 3.63% | 3.76% | 3.67% | -10 bps | |
| Efficiency Ratio | 18.41% | 25.81% | 35.91% | 44.19% | 115.91% | 102.92% | 98.43% | 95.73% | +5,154 bps | |
| Non-Interest Burden | -0.47% | 0.32% | 1.97% | 2.92% | 4.07% | 3.75% | 3.70% | 3.50% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -51.24% | -59.00% | -57.12% | -58.93% | -16.93% | 1.00% | 12.80% | 16.48% | +7,541 bps | |
| Loan Growth (YoY) | -41.35% | -53.02% | -50.82% | -37.74% | -18.72% | 24.39% | 28.45% | 9.27% | +4,701 bps | |
| Deposit Growth (YoY) | -57.95% | -63.83% | -60.42% | -57.10% | -0.32% | 14.90% | 24.19% | 19.80% | +7,689 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 | -0.01% | -0.11% | -0.08% | -0.05% | 0.00% | 0.00% | 0.00% | 0.05% | +10 bps | |
| Allowance / Loans | 2.78% | 3.39% | 3.56% | 1.97% | 1.91% | 1.86% | 1.90% | 1.75% | -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 | 16.54% | 21.42% | 22.61% | 19.36% | 18.28% | 18.37% | 18.96% | 18.09% | -127 bps | |
| Equity / Assets | 14.44% | 16.79% | 17.74% | 17.18% | 15.09% | 15.99% | 15.52% | 14.91% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.24% | 93.87% | 92.31% | 102.92% | 90.71% | 101.63% | 95.47% | 93.87% | -905 bps | |
| Liquid Assets / Assets | 0.10% | 0.20% | 0.11% | 0.13% | 0.12% | 0.13% | 0.13% | 0.12% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |