Kansas City, MO · Cert 35446
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Kansas City, MO · Cert 35446
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | 0.31% | 0.36% | 0.37% | 0.36% | 0.89% | 0.38% | 0.32% | -6 bps | |
| Return on Equity | -3.02% | 3.06% | 3.52% | 3.71% | 3.60% | 9.08% | 3.85% | 2.66% | -105 bps | |
| Net Interest Margin | 3.26% | 3.56% | 3.50% | 3.33% | 3.35% | 3.53% | 3.61% | 1.12% | -222 bps | |
| Efficiency Ratio | 89.45% | 82.48% | 80.54% | 80.64% | 81.87% | 58.97% | 61.23% | 60.27% | -2,037 bps | |
| Non-Interest Burden | 2.84% | 2.79% | 2.66% | 2.54% | 2.63% | 1.95% | 2.09% | 0.63% | -190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.68% | 28.94% | 22.75% | 23.18% | 20.39% | 13.37% | 3.06% | 4.29% | -1,889 bps | |
| Loan Growth (YoY) | 35.22% | 28.43% | 26.48% | 26.15% | 22.29% | 14.73% | 3.30% | -9.97% | -3,612 bps | |
| Deposit Growth (YoY) | 40.33% | 36.41% | 27.67% | 22.00% | 18.03% | 10.81% | -0.54% | -3.94% | -2,594 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 | 0.68% | -0.17% | -0.08% | -0.05% | -0.03% | -0.01% | 0.00% | 0.01% | +6 bps | |
| Allowance / Loans | 1.19% | 1.25% | 1.22% | 1.24% | 1.26% | 1.32% | 1.80% | 2.00% | +76 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 | 10.71% | 10.53% | 10.77% | 10.59% | 11.14% | 11.59% | 11.95% | 10.72% | +14 bps | |
| Equity / Assets | 10.44% | 10.09% | 9.99% | 9.86% | 9.61% | 10.03% | 10.04% | 17.99% | +814 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.18% | 106.15% | 103.62% | 104.41% | 105.86% | 109.90% | 107.62% | 97.86% | -655 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |