Kansas City, MO · Charter 61866
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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, MO · Charter 61866
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.05% | 0.08% | 0.08% | 0.09% | -30 bps | |
| Return on Equity | 2.37% | 0.29% | 0.47% | 0.40% | 0.46% | -191 bps | |
| Net Interest Margin | 5.30% | 5.31% | 4.80% | 5.76% | 5.96% | +66 bps | |
| Efficiency Ratio | 88.76% | 92.79% | 89.33% | 85.27% | 86.50% | -225 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.95% | -17.26% | -0.74% | -8.73% | -16.30% | -835 bps | |
| Loan Growth (YoY) | -24.22% | -7.47% | 26.66% | 20.10% | -3.14% | +2,107 bps | |
| Share Growth (YoY) | -8.84% | -20.96% | -0.65% | -10.65% | -48.51% | -3,966 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 0.72% | 0.32% | 2.61% | 3.74% | +153 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 2.37% | 1.62% | 2.11% | 2.62% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.46% | 17.44% | 16.03% | 18.88% | 19.98% | +352 bps | |
| Net Worth / Assets | 16.46% | 17.44% | 16.03% | 18.88% | 19.98% | +352 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.42% | 86.30% | 90.20% | 103.45% | 147.51% | +6,909 bps | |
| Liquid Assets / Assets | 31.24% | 25.84% | 22.15% | 14.18% | 24.25% | -698 bps | |