Topeka, KS · Charter 63305
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.95% | 3.16% | 3.35% | 3.27% | 3.37% | 3.15% | 3.35% | 3.23% | -4 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 | -9.38% | -10.08% | -3.76% | -9.59% | -11.71% | -14.87% | -14.20% | -1,044 bps | |
| Loan Growth (YoY) | n/a | 14.77% | -2.01% | -12.30% | -23.45% | -32.97% | -34.13% | -34.10% | -2,180 bps | |
| Share Growth (YoY) | n/a | -13.93% | -14.13% | -6.82% | -13.71% | -16.17% | -20.37% | -19.32% | -1,250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.52% | 0.47% | 1.60% | 1.66% | 1.36% | 1.22% | 0.87% | -73 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 | 0.35% | 0.33% | 0.39% | 0.37% | 0.44% | 0.41% | 0.46% | 0.51% | +14 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 | 106.46% | 103.00% | 94.84% | 85.30% | 94.44% | 82.36% | 78.46% | 69.68% | -1,563 bps | |
| Liquid Assets / Assets | 11.35% | 14.13% | 20.68% | 29.37% | 24.90% | 34.47% | 38.88% | 45.32% | +1,596 bps | |