Kansas City, MO · Charter 62296
Q4 1996
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.88% | 2.37% | 3.08% | 2.71% | 3.29% | 2.71% | +34 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 3.52% | 9.62% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 77.45% | 69.14% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 1.49% | 7.41% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 3.05% | 2.79% | 3.71% | 1.73% | 1.85% | 2.13% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 0.59% | 0.51% | 0.56% | 0.84% | 0.68% | +9 bps | |
| Capital | ||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||
| Loans / Shares | 51.11% | 54.66% | 67.69% | 82.52% | 89.37% | 86.07% | +3,141 bps | |
| Liquid Assets / Assets | 43.14% | 38.02% | 34.20% | 23.96% | 14.37% | 19.06% | -1,896 bps | |