Kansas City, KS · Charter 62934
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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 62934
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.37% | -0.49% | -0.50% | -0.67% | -0.71% | -0.90% | -0.77% | -27 bps | |
| Return on Equity | -1.15% | -2.26% | -3.03% | -2.99% | -4.11% | -4.42% | -5.65% | -4.78% | -179 bps | |
| Net Interest Margin | 1.39% | 1.35% | 1.32% | 1.32% | 1.07% | 1.06% | 1.05% | 1.05% | -27 bps | |
| Efficiency Ratio | 107.62% | 115.30% | 120.52% | 120.25% | 130.49% | 132.93% | 141.47% | 135.63% | +1,538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.16% | -7.20% | -8.41% | -9.01% | -3.84% | -3.64% | -2.91% | -0.65% | +836 bps | |
| Loan Growth (YoY) | -19.84% | -16.68% | -16.37% | -15.41% | -13.07% | -9.27% | -6.06% | -2.70% | +1,272 bps | |
| Share Growth (YoY) | -2.43% | -7.74% | -8.82% | -9.99% | -4.15% | -3.62% | -2.15% | 0.49% | +1,048 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.44% | 0.44% | 0.53% | 0.58% | 0.53% | 0.40% | 0.87% | +34 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 | 8.77% | 8.89% | 9.28% | 9.56% | 10.05% | 9.76% | 9.74% | 9.68% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.13% | 16.22% | 16.22% | 16.82% | 16.34% | 16.17% | 15.91% | 16.15% | -66 bps | |
| Net Worth / Assets | 16.13% | 16.22% | 16.22% | 16.82% | 16.34% | 16.17% | 15.91% | 16.15% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.63% | 10.62% | 10.28% | 10.49% | 9.64% | 9.99% | 9.87% | 10.15% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |