Oiverland Park, KS · Charter 63066
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Oiverland Park, KS · Charter 63066
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.41% | -11.03% | -4.26% | -7.41% | -5.47% | -7.88% | -4.06% | +20 bps | |
| Return on Equity | 9.97% | 3.37% | -112.44% | -40.74% | -92.48% | -63.16% | -117.22% | -56.09% | -1,534 bps | |
| Net Interest Margin | 7.33% | 7.48% | 9.42% | 8.51% | 8.91% | 8.89% | 8.17% | 7.27% | -124 bps | |
| Efficiency Ratio | 56.58% | 54.31% | 64.53% | 65.48% | 65.06% | 66.65% | 73.41% | 82.20% | +1,672 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.74% | -18.21% | -13.33% | -11.80% | -20.36% | -14.72% | -11.37% | -16.71% | -491 bps | |
| Loan Growth (YoY) | -8.16% | -7.11% | -16.70% | -19.93% | -22.59% | -24.71% | -21.18% | -20.75% | -82 bps | |
| Share Growth (YoY) | -9.60% | -20.77% | -11.64% | -8.61% | -16.36% | -10.55% | -7.57% | -13.69% | -508 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.88% | 17.95% | 9.70% | 11.58% | 8.15% | 12.15% | 13.71% | 14.58% | +300 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 | 4.73% | 5.77% | 5.33% | 6.00% | 5.18% | 6.06% | 7.47% | 7.79% | +180 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.28% | 12.05% | 9.81% | 10.47% | 8.01% | 8.67% | 6.72% | 7.24% | -323 bps | |
| Net Worth / Assets | 11.28% | 12.05% | 9.81% | 10.47% | 8.01% | 8.67% | 6.72% | 7.24% | -323 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.30% | 112.91% | 101.71% | 98.81% | 93.76% | 95.04% | 86.72% | 90.73% | -808 bps | |
| Liquid Assets / Assets | 1.41% | 1.59% | 11.74% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |