Kansas City, MO · Charter 61736
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.48% | 0.42% | 0.23% | -0.18% | -0.70% | -0.96% | -2.00% | -223 bps | |
| Return on Equity | 4.33% | 5.75% | 4.69% | 2.64% | -2.01% | -8.02% | -11.23% | -25.84% | -2,848 bps | |
| Net Interest Margin | 3.99% | 3.96% | 4.16% | 4.11% | 4.75% | 4.56% | 4.72% | 4.65% | +54 bps | |
| Efficiency Ratio | 89.99% | 87.86% | 88.81% | 91.63% | 96.46% | 92.68% | 94.02% | 101.69% | +1,007 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.56% | -6.10% | -8.35% | -8.08% | -6.04% | -9.51% | -10.96% | -14.72% | -664 bps | |
| Loan Growth (YoY) | -6.81% | -14.98% | -11.56% | -15.72% | -1.33% | -0.47% | -2.78% | 2.63% | +1,835 bps | |
| Share Growth (YoY) | -7.03% | -4.30% | -7.91% | -7.09% | -5.92% | -9.87% | -10.39% | -13.86% | -677 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.39% | 4.23% | 4.13% | 3.68% | 1.98% | 2.92% | 3.24% | 2.63% | -105 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 | 1.12% | 1.25% | 1.13% | 1.10% | 0.90% | 1.18% | 1.73% | 1.43% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.20% | 8.33% | 8.88% | 8.83% | 8.82% | 8.77% | 8.57% | 7.73% | -110 bps | |
| Net Worth / Assets | 8.20% | 8.33% | 8.88% | 8.83% | 8.82% | 8.77% | 8.57% | 7.73% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.25% | 64.95% | 71.87% | 65.96% | 72.63% | 71.73% | 77.98% | 78.58% | +1,263 bps | |
| Liquid Assets / Assets | 17.48% | 21.26% | 15.53% | 20.78% | 13.60% | 0.00% | 0.00% | 0.00% | -2,078 bps | |