Kansas City, MO · Charter 64333
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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 64333
Q4 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 1.56% | 2.74% | 1.88% | 3.45% | 3.29% | +172 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -13.41% | -20.11% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -11.77% | -16.28% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -13.54% | -15.28% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 5.59% | 3.71% | 6.38% | 11.04% | 10.12% | 16.48% | +1,278 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.46% | 2.18% | 3.12% | 4.32% | 4.00% | 4.68% | +250 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 89.46% | 98.35% | 98.95% | 95.61% | 91.29% | 97.19% | -116 bps | |
| Liquid Assets / Assets | 10.10% | 9.29% | 1.34% | 4.70% | 3.61% | 3.94% | -535 bps | |