Kansas City, MO · Charter 62804
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.68% | 5.45% | 4.59% | 5.14% | 4.48% | 5.27% | 5.83% | 4.57% | -57 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 | -9.09% | -4.66% | -7.35% | -13.13% | -17.03% | -23.97% | -1,931 bps | |
| Loan Growth (YoY) | n/a | n/a | 4.12% | 1.96% | -1.00% | -3.04% | -13.65% | -23.06% | -2,501 bps | |
| Share Growth (YoY) | n/a | n/a | -10.05% | -6.72% | -9.21% | -16.11% | -20.82% | -27.07% | -2,035 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 2.03% | 0.62% | 1.62% | 1.88% | 1.96% | 2.34% | 4.85% | +323 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 | 2.16% | 2.32% | 2.02% | 1.76% | 2.11% | 3.01% | 2.26% | 2.26% | +49 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 | 63.61% | 64.32% | 63.89% | 66.84% | 69.36% | 74.34% | 69.67% | 70.52% | +368 bps | |
| Liquid Assets / Assets | 12.10% | 9.77% | 20.91% | 20.39% | 22.63% | 8.60% | 16.79% | 13.61% | -677 bps | |