Lenexa, KS · Charter 63276
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.92% | 4.27% | 4.66% | 4.01% | 4.09% | 3.01% | 1.96% | 3.06% | -96 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 | 7.54% | -2.71% | -14.95% | -20.33% | -16.47% | -13.74% | -7.69% | +725 bps | |
| Loan Growth (YoY) | n/a | 13.49% | -6.45% | -16.53% | -26.03% | -30.34% | -21.26% | -10.73% | +580 bps | |
| Share Growth (YoY) | n/a | 5.16% | -5.83% | -18.62% | -24.26% | -19.70% | -15.13% | -7.79% | +1,083 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.24% | 5.05% | 4.58% | 3.57% | 5.48% | 1.62% | 3.19% | 7.35% | +378 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 | 1.55% | 1.91% | 2.42% | 2.26% | 2.81% | 0.61% | 2.10% | 1.97% | -29 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 | 84.29% | 85.47% | 88.17% | 84.85% | 82.32% | 74.15% | 81.80% | 82.15% | -271 bps | |
| Liquid Assets / Assets | 11.76% | 11.12% | 9.25% | 10.26% | 13.89% | 7.79% | 8.53% | 8.30% | -196 bps | |