Kansas City, MO · Charter 64098
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.74% | 1.02% | 0.79% | 0.80% | 1.01% | 0.58% | -0.76% | -155 bps | |
| Return on Equity | 4.06% | 6.43% | 9.03% | 6.71% | 6.43% | 7.83% | 4.49% | -5.85% | -1,256 bps | |
| Net Interest Margin | 3.65% | 4.04% | 3.81% | 3.61% | 3.89% | 3.96% | 3.69% | 3.74% | +13 bps | |
| Efficiency Ratio | 66.87% | 65.40% | 64.61% | 69.28% | 70.14% | 69.82% | 73.85% | 100.48% | +3,121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 5.10% | 7.46% | 11.66% | 6.09% | 2.95% | -4.40% | -7.56% | -1,922 bps | |
| Loan Growth (YoY) | 4.38% | -3.65% | -13.43% | -11.87% | -9.04% | -10.67% | -4.84% | -9.48% | +239 bps | |
| Share Growth (YoY) | 2.51% | 4.77% | 7.46% | 11.87% | 5.68% | 2.01% | -5.96% | -8.26% | -2,013 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.08% | 1.12% | 0.91% | 1.21% | 1.56% | 1.65% | 1.13% | +22 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 | 0.73% | 1.32% | 1.30% | 1.16% | 1.47% | 1.15% | 1.42% | 1.12% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.47% | 11.50% | 11.32% | 11.76% | 12.49% | 12.90% | 12.99% | 12.96% | +120 bps | |
| Net Worth / Assets | 11.47% | 11.50% | 11.32% | 11.76% | 12.49% | 12.90% | 12.99% | 12.96% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.47% | 62.60% | 52.94% | 54.49% | 56.36% | 54.82% | 53.57% | 53.77% | -73 bps | |
| Liquid Assets / Assets | 32.30% | 23.73% | 35.38% | 29.51% | 31.64% | 37.57% | 41.90% | 41.33% | +1,182 bps | |