Kansas City, KS · Charter 5083
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.67% | 3.50% | 3.80% | 4.04% | 4.28% | 6.21% | 6.89% | 5.89% | +184 bps | |
| Efficiency Ratio | 186.32% | 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 / Loans | 0.00% | 0.29% | 0.00% | 1.35% | 1.68% | 0.61% | 0.90% | 0.81% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.31% | 0.14% | 0.15% | 0.15% | 0.15% | 0.16% | 0.17% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.62% | 12.10% | 11.81% | 10.95% | 10.43% | 8.46% | 9.11% | 8.33% | -263 bps | |
| Net Worth / Assets | 12.62% | 12.10% | 11.81% | 10.95% | 10.43% | 8.46% | 9.11% | 8.33% | -263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.70% | 97.25% | 108.44% | 99.37% | 102.45% | 87.08% | 85.02% | 84.57% | -1,481 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |