Kansas City, MO · Charter 63782
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Kansas City, MO · Charter 63782
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.22% | -0.42% | -0.19% | -0.23% | -0.16% | -1.53% | -3.47% | -329 bps | |
| Return on Equity | 0.04% | -1.80% | -3.60% | -1.55% | -1.92% | -1.32% | -12.50% | -31.91% | -3,035 bps | |
| Net Interest Margin | 3.81% | 3.87% | 3.71% | 3.80% | 3.65% | 3.89% | 3.65% | 3.46% | -34 bps | |
| Efficiency Ratio | 98.63% | 96.52% | 92.62% | 93.18% | 96.86% | 98.83% | 113.78% | 150.54% | +5,736 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | 0.12% | 2.90% | -1.48% | 0.99% | -1.45% | -7.85% | -6.00% | -452 bps | |
| Loan Growth (YoY) | -0.39% | -0.11% | -2.31% | -6.35% | -9.51% | -10.51% | -8.09% | -9.22% | -287 bps | |
| Share Growth (YoY) | -3.03% | 0.49% | 3.96% | -0.96% | 1.73% | -1.47% | -8.23% | -4.55% | -359 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.68% | 1.43% | 0.93% | 1.10% | 1.74% | 1.71% | 1.31% | 0.64% | -46 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 | 0.48% | 0.72% | 0.77% | 0.83% | 0.90% | 0.48% | 0.76% | 0.74% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.48% | 12.36% | 11.69% | 11.93% | 12.07% | 12.37% | 12.25% | 10.89% | -104 bps | |
| Net Worth / Assets | 12.48% | 12.36% | 11.69% | 11.93% | 12.07% | 12.37% | 12.25% | 10.89% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.42% | 77.59% | 70.37% | 71.97% | 69.76% | 70.47% | 70.47% | 68.45% | -352 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |