Lenexa, KS · Cert 34080
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.27% | -1.22% | -1.60% | -0.63% | 0.37% | 0.44% | 0.40% | +199 bps | |
| Return on Equity | -0.10% | -1.72% | -7.09% | -9.14% | -3.90% | 2.37% | 2.77% | 2.62% | +1,176 bps | |
| Net Interest Margin | 3.18% | 3.42% | 3.07% | 3.40% | 3.45% | 3.98% | 3.99% | 3.99% | +59 bps | |
| Efficiency Ratio | 18.41% | 42.48% | 156.87% | 183.06% | 115.91% | 91.54% | 89.90% | 88.33% | -9,472 bps | |
| Non-Interest Burden | -0.47% | 1.25% | 5.17% | 5.78% | 4.07% | 3.61% | 3.57% | 3.49% | -229 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% | -0.20% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.20% | +20 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 |