Kirkwood, MO · Charter 63064
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Kirkwood, MO · Charter 63064
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.85% | -1.92% | 0.66% | -0.07% | -0.49% | -1.66% | 0.01% | -0.80% | -73 bps | |
| Return on Equity | -22.64% | -24.59% | 8.92% | -0.99% | -6.59% | -25.21% | 0.19% | -12.21% | -1,122 bps | |
| Net Interest Margin | 2.62% | 2.46% | 2.72% | 2.61% | 2.79% | 2.98% | 3.03% | 2.96% | +34 bps | |
| Efficiency Ratio | 131.62% | 136.79% | 89.73% | 91.02% | 101.90% | 105.71% | 99.95% | 100.40% | +938 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.64% | -6.73% | -3.91% | -2.43% | -6.18% | -10.28% | -16.88% | -16.83% | -1,440 bps | |
| Loan Growth (YoY) | -6.05% | -6.72% | -6.36% | -11.68% | -14.04% | -15.11% | -15.45% | -13.96% | -228 bps | |
| Share Growth (YoY) | -2.19% | -5.45% | -2.21% | -1.38% | -5.00% | -8.95% | -16.42% | -16.32% | -1,494 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.25% | 1.60% | 1.50% | 1.42% | 1.39% | 0.70% | 0.61% | 1.49% | +7 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 | 0.89% | 0.52% | 0.86% | 0.94% | 0.86% | 1.55% | 1.47% | 1.55% | +61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.19% | 7.81% | 7.37% | 7.22% | 7.40% | 6.58% | 6.92% | 6.57% | -65 bps | |
| Net Worth / Assets | 8.19% | 7.81% | 7.37% | 7.22% | 7.40% | 6.58% | 6.92% | 6.57% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.90% | 85.80% | 80.93% | 77.28% | 80.45% | 79.99% | 81.87% | 79.46% | +218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |