Wichita, KS · Charter 63317
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 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.
Wichita, KS · Charter 63317
Q1 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.51% | 0.53% | 1.66% | 1.21% | 1.27% | 1.18% | 1.08% | -58 bps | |
| Return on Equity | 3.77% | 5.64% | 5.96% | 16.94% | 11.93% | 11.49% | 10.34% | 9.30% | -764 bps | |
| Net Interest Margin | 3.58% | 3.58% | 3.44% | 4.43% | 4.00% | 4.12% | 4.19% | 3.94% | -48 bps | |
| Efficiency Ratio | 80.70% | 80.11% | 80.57% | 66.21% | 71.46% | 71.76% | 72.88% | 76.98% | +1,077 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.27% | -2.18% | -2.66% | -7.34% | -4.76% | -9.57% | -13.35% | -7.50% | -16 bps | |
| Loan Growth (YoY) | -4.73% | -2.99% | 0.08% | 0.68% | -7.75% | -11.91% | -12.58% | -8.24% | -892 bps | |
| Share Growth (YoY) | -4.67% | -4.58% | -3.67% | -7.92% | -5.91% | -10.12% | -17.47% | -11.64% | -372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 2.40% | 3.08% | 1.69% | 2.58% | 3.95% | 3.58% | 1.98% | +28 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 | 0.71% | 0.69% | 0.70% | 0.68% | 0.74% | 0.78% | 0.73% | 0.73% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 8.97% | 8.89% | 9.80% | 10.18% | 11.05% | 11.44% | 11.58% | +178 bps | |
| Net Worth / Assets | 8.74% | 8.97% | 8.89% | 9.80% | 10.18% | 11.05% | 11.44% | 11.58% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.52% | 85.93% | 83.29% | 82.39% | 80.90% | 84.22% | 88.22% | 85.56% | +317 bps | |
| Liquid Assets / Assets | 21.25% | 18.79% | 22.06% | 23.76% | 15.80% | 22.89% | 21.11% | 21.86% | -189 bps | |