Lenexa, KS · Charter 61332
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.87% | 0.89% | 0.58% | 0.61% | 0.50% | 0.43% | 0.27% | -31 bps | |
| Return on Equity | 8.47% | 9.40% | 9.45% | 6.37% | 6.54% | 5.26% | 4.49% | 2.97% | -340 bps | |
| Net Interest Margin | 2.85% | 2.85% | 2.79% | 2.57% | 2.61% | 2.64% | 2.67% | 2.54% | -3 bps | |
| Efficiency Ratio | 77.49% | 76.24% | 76.35% | 82.82% | 82.71% | 85.13% | 86.79% | 88.92% | +610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.75% | 9.72% | 9.65% | 7.85% | 6.34% | 5.11% | 2.63% | 2.65% | -520 bps | |
| Loan Growth (YoY) | 11.67% | 10.43% | 3.50% | -0.37% | -1.39% | -0.86% | 0.49% | 0.04% | +41 bps | |
| Share Growth (YoY) | 11.48% | 9.55% | 9.72% | 7.81% | 6.37% | 5.45% | 3.03% | 2.91% | -491 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.88% | 0.76% | 0.52% | 0.64% | 0.57% | 0.56% | 0.71% | +18 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 | 0.93% | 0.96% | 0.81% | 0.85% | 0.82% | 0.72% | 0.72% | 0.66% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.05% | 9.25% | 9.43% | 9.13% | 9.36% | 9.46% | 9.62% | 9.23% | +10 bps | |
| Net Worth / Assets | 9.05% | 9.25% | 9.43% | 9.13% | 9.36% | 9.46% | 9.62% | 9.23% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.14% | 60.80% | 58.96% | 55.42% | 56.68% | 57.17% | 57.50% | 53.87% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |