Overland Park, KS · Charter 61381
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 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.
Overland Park, KS · Charter 61381
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.98% | 3.93% | 1.11% | -0.14% | -0.50% | -8.54% | -4.97% | -15.36% | -1,522 bps | |
| Return on Equity | -13.36% | 48.32% | 13.49% | -1.77% | -6.55% | -166.98% | -95.87% | n/a | n/a | |
| Net Interest Margin | 5.77% | 5.77% | 6.13% | 6.26% | 6.48% | 5.99% | 6.12% | 7.33% | +107 bps | |
| Efficiency Ratio | 87.16% | 61.04% | 88.35% | 101.83% | 106.02% | 117.37% | 114.73% | 174.26% | +7,243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.55% | -10.96% | -10.33% | -13.33% | -10.49% | -7.36% | -6.30% | -14.70% | -137 bps | |
| Loan Growth (YoY) | -12.01% | -10.96% | -4.58% | 4.36% | 3.04% | 7.68% | 3.39% | -8.92% | -1,328 bps | |
| Share Growth (YoY) | -8.37% | -11.86% | -8.65% | -14.41% | -10.47% | -3.84% | -3.26% | -4.81% | +960 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.09% | 2.35% | 5.54% | 10.50% | 14.90% | 11.19% | 7.66% | +212 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 | 1.88% | 1.63% | 1.86% | 2.37% | 2.39% | 3.97% | 0.77% | 2.29% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.30% | 8.14% | 8.20% | 7.73% | 7.65% | 5.11% | 5.18% | -2.90% | -1,063 bps | |
| Net Worth / Assets | 7.30% | 8.14% | 8.20% | 7.73% | 7.65% | 5.11% | 5.18% | -2.90% | -1,063 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.76% | 66.38% | 72.35% | 79.08% | 81.44% | 74.33% | 77.32% | 75.66% | -342 bps | |
| Liquid Assets / Assets | 29.99% | 34.24% | 29.16% | 22.12% | 17.38% | 25.33% | 20.52% | 20.40% | -172 bps | |