Kansas City, MO · Cert 35446
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.31% | 0.40% | 0.40% | 0.32% | 0.89% | -0.13% | 0.20% | -20 bps | |
| Return on Equity | 3.63% | 3.06% | 4.01% | 4.01% | 3.28% | 9.08% | -1.34% | 1.38% | -263 bps | |
| Net Interest Margin | 3.91% | 3.56% | 3.64% | 3.47% | 3.50% | 3.53% | 3.70% | -3.63% | -710 bps | |
| Efficiency Ratio | 80.89% | 82.48% | 78.77% | 80.83% | 86.08% | 58.97% | 63.41% | 60.27% | -2,057 bps | |
| Non-Interest Burden | 2.99% | 2.79% | 2.69% | 2.65% | 3.01% | 1.95% | 2.24% | -2.13% | -479 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 | 0.17% | -0.17% | 0.00% | 0.00% | 0.01% | -0.01% | 0.00% | 0.05% | +5 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 |