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Central Baptist Seminary

Kansas City, KS · Charter 5083

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Baptist Seminary

Kansas City, KS · Charter 5083

Q3 2009

$1.2MAssets
$891KLoans
$1.1MShares
$96KNet Worth

Executive Summary

  • Earnings: ROA of -1.87%, up 215 bps year over year; NIM at 5.89%.
  • Asset quality: problem loans at 0.81% of loans (-54 bps YoY).
  • Capital: net worth / assets of 8.33%, down 263 bps from a year ago.
  • Funding: loans stand at 84.57% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

-1.87%+215 bps YoY

Net Interest Margin (YTD, annualized)

5.89%+184 bps YoY

Efficiency Ratio (YTD, annualized)

113.23%-7,569 bps YoY

Net Worth / Assets

8.33%-263 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-3.62%-4.16%-3.87%-4.02%-4.14%-3.40%-0.81%-1.87%+215 bps
Return on Equity-28.72%-34.39%-32.77%-36.73%-39.71%-40.23%-8.85%-22.48%+1,425 bps
Net Interest Margin3.67%3.50%3.80%4.04%4.28%6.21%6.89%5.89%+184 bps
Efficiency Ratio186.32%199.28%191.04%188.92%186.86%118.47%93.58%113.23%-7,569 bps
Growth
Asset Growth (YoY)-3.08%-10.36%-9.88%-10.57%-13.39%0.96%3.49%2.76%+1,333 bps
Loan Growth (YoY)6.09%-1.70%0.52%-8.97%-6.05%-4.89%-15.90%-9.51%-54 bps
Share Growth (YoY)-0.54%-7.97%-6.88%-7.64%-10.40%6.22%7.27%6.34%+1,397 bps
Asset Quality
Delinquent Loans / Loans0.00%0.29%0.00%1.35%1.68%0.61%0.90%0.81%-54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.25%0.31%0.14%0.15%0.15%0.15%0.16%0.17%+2 bps
Capital
Risk-Based Capital12.62%12.10%11.81%10.95%10.43%8.46%9.11%8.33%-263 bps
Net Worth / Assets12.62%12.10%11.81%10.95%10.43%8.46%9.11%8.33%-263 bps
Liquidity & Funding
Loans / Shares97.70%97.25%108.44%99.37%102.45%87.08%85.02%84.57%-1,481 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps