Kansas City, MO · Charter 63032
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 63032
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.08% | 1.29% | 1.05% | 0.78% | 0.58% | 0.48% | 0.40% | -65 bps | |
| Return on Equity | 13.43% | 13.67% | 15.15% | 13.34% | 9.58% | 7.07% | 5.68% | 4.61% | -872 bps | |
| Net Interest Margin | 5.22% | 6.15% | 6.33% | 5.80% | 6.01% | 5.97% | 6.17% | 6.20% | +39 bps | |
| Efficiency Ratio | 82.24% | 77.54% | 77.02% | 78.01% | 79.58% | 86.64% | 88.90% | 87.25% | +924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.58% | -3.41% | -2.92% | 5.14% | 2.26% | 7.05% | 5.15% | -5.88% | -1,103 bps | |
| Loan Growth (YoY) | 3.72% | 7.88% | 11.98% | 22.37% | 15.07% | 8.05% | 5.15% | -4.40% | -2,677 bps | |
| Share Growth (YoY) | 8.59% | -4.72% | -4.12% | 4.55% | 1.45% | 6.87% | 5.06% | -6.65% | -1,119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.91% | 2.93% | 4.27% | 3.67% | 4.16% | 4.60% | 3.65% | 2.24% | -144 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 | 0.66% | 0.59% | 0.66% | 0.74% | 0.84% | 0.89% | 0.90% | 1.03% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.30% | 7.93% | 8.51% | 7.88% | 8.11% | 8.27% | 8.51% | 8.63% | +75 bps | |
| Net Worth / Assets | 7.30% | 7.93% | 8.51% | 7.88% | 8.11% | 8.27% | 8.51% | 8.63% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.76% | 93.01% | 98.28% | 93.70% | 97.28% | 94.04% | 98.36% | 95.95% | +225 bps | |
| Liquid Assets / Assets | 14.01% | 9.73% | 7.51% | 10.59% | 7.55% | 10.58% | 7.24% | 9.88% | -71 bps | |