Kansas City, KS · Charter 61770
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Kansas City, KS · Charter 61770
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.16% | -2.28% | -0.12% | 0.05% | -0.35% | -0.05% | -0.42% | -31 bps | |
| Return on Equity | 3.64% | 1.70% | -26.54% | -1.30% | 0.54% | -3.75% | -0.55% | -4.62% | -332 bps | |
| Net Interest Margin | 4.21% | 4.46% | 3.96% | 3.78% | 3.92% | 4.02% | 3.67% | 3.94% | +16 bps | |
| Efficiency Ratio | 90.00% | 90.12% | 93.02% | 79.96% | 81.93% | 90.17% | 93.59% | 99.46% | +1,950 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.80% | -1.83% | -1.51% | -0.18% | -1.90% | 0.42% | -0.94% | -8.82% | -864 bps | |
| Loan Growth (YoY) | -7.25% | -7.15% | -5.78% | 2.33% | -0.92% | 3.90% | 3.42% | -2.52% | -485 bps | |
| Share Growth (YoY) | 3.26% | -1.73% | -0.83% | 0.30% | -3.05% | 0.66% | -0.99% | -9.36% | -967 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 2.11% | 3.49% | 1.24% | 1.98% | 1.94% | 0.88% | 0.85% | -40 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 | 1.32% | 1.14% | 1.22% | 1.27% | 1.25% | 1.32% | 1.21% | 1.18% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.16% | 9.63% | 8.57% | 8.87% | 9.28% | 9.25% | 8.88% | 9.12% | +25 bps | |
| Net Worth / Assets | 9.16% | 9.63% | 8.57% | 8.87% | 9.28% | 9.25% | 8.88% | 9.12% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.88% | 61.03% | 57.59% | 59.41% | 60.17% | 63.00% | 60.16% | 63.89% | +448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |