Kansas City, KS · Charter 62700
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.11% | 3.44% | 3.49% | 3.75% | 3.90% | 3.24% | 3.54% | 3.11% | -64 bps | |
| Return on Equity | n/a | n/a | 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 | n/a | n/a |
| Efficiency Ratio | n/a | n/a | 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 | 0.21% | -2.41% | -1.00% | -7.86% | -7.98% | -819 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 4.47% | -0.28% | 0.12% | -1.13% | -7.89% | -1,236 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -1.20% | -4.10% | -2.50% | -10.22% | -10.40% | -920 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 0.86% | 0.00% | 0.95% | 0.50% | 0.57% | 0.53% | 0.60% | -35 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 | 1.38% | 1.52% | 1.59% | 1.20% | 1.27% | 1.16% | 0.79% | 0.60% | -61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 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 | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.08% | 61.36% | 59.20% | 65.22% | 66.64% | 63.00% | 65.20% | 67.05% | +183 bps | |
| Liquid Assets / Assets | 29.45% | 27.12% | 26.77% | 22.48% | 17.62% | 27.53% | 24.33% | 26.62% | +414 bps | |