Wichita, KS · Charter 60288
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Wichita, KS · Charter 60288
Q2 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.24% | 0.25% | 0.16% | 0.29% | 0.37% | 0.38% | 0.22% | +6 bps | |
| Return on Equity | 1.16% | 1.99% | 2.00% | 1.31% | 2.23% | 2.71% | 2.85% | 1.57% | +26 bps | |
| Net Interest Margin | 2.79% | 3.04% | 3.28% | 3.26% | 3.41% | 3.59% | 3.43% | 3.48% | +23 bps | |
| Efficiency Ratio | 93.19% | 90.25% | 90.94% | 89.59% | 86.65% | 85.38% | 82.05% | 85.46% | -414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | -5.53% | -8.29% | -5.75% | -8.38% | -8.82% | -6.12% | -9.07% | -332 bps | |
| Loan Growth (YoY) | -6.27% | 2.51% | 4.99% | 3.07% | 0.07% | -3.62% | -6.71% | -9.04% | -1,211 bps | |
| Share Growth (YoY) | -4.52% | -5.89% | -8.70% | -6.71% | -8.93% | -10.74% | -7.44% | -10.93% | -423 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.19% | 1.64% | 0.83% | 0.93% | 1.49% | 2.59% | 2.83% | +200 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 | 0.81% | 0.61% | 0.36% | 0.60% | 0.71% | 0.66% | 0.81% | 0.77% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.50% | 12.12% | 12.31% | 12.35% | 12.91% | 13.66% | 13.50% | 13.98% | +163 bps | |
| Net Worth / Assets | 11.50% | 12.12% | 12.31% | 12.35% | 12.91% | 13.66% | 13.50% | 13.98% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.50% | 65.12% | 64.17% | 64.29% | 66.48% | 70.32% | 64.67% | 65.66% | +137 bps | |
| Liquid Assets / Assets | 34.98% | 28.26% | 32.16% | 25.59% | 21.40% | 17.79% | 23.15% | 23.43% | -216 bps | |