Kansas City, MO · Charter 64501
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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 64501
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | 1.38% | 2.93% | 1.96% | 1.45% | 1.15% | 1.95% | 0.51% | -146 bps | |
| Return on Equity | -2.39% | 12.75% | 20.58% | 13.22% | 9.97% | 8.33% | 13.38% | 3.47% | -975 bps | |
| Net Interest Margin | 4.85% | 6.72% | 10.01% | 9.01% | 8.31% | 8.11% | 8.16% | 7.56% | -145 bps | |
| Efficiency Ratio | 104.66% | 81.03% | 73.24% | 80.33% | 84.40% | 87.30% | 79.28% | 94.12% | +1,379 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.43% | 2.97% | -21.93% | -24.95% | -24.61% | -24.61% | -5.59% | -4.65% | +2,030 bps | |
| Loan Growth (YoY) | 17.07% | -9.62% | 1.71% | -15.58% | -16.47% | 7.23% | -1.28% | 20.70% | +3,627 bps | |
| Share Growth (YoY) | 5.17% | 3.11% | -25.19% | -28.52% | -27.77% | -27.04% | -5.67% | -4.32% | +2,420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 32.30% | 35.42% | 33.47% | 26.24% | 36.92% | 31.21% | 38.55% | 0.00% | -2,624 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 | 1.99% | 2.11% | 2.15% | 2.45% | 0.19% | 1.03% | 1.14% | 1.07% | -139 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.48% | 10.86% | 14.25% | 14.84% | 14.50% | 13.83% | 14.58% | 14.56% | -28 bps | |
| Net Worth / Assets | 10.48% | 10.86% | 14.25% | 14.84% | 14.50% | 13.83% | 14.58% | 14.56% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.36% | 74.19% | 97.15% | 87.97% | 90.63% | 109.03% | 101.67% | 110.96% | +2,300 bps | |
| Liquid Assets / Assets | 23.24% | 23.61% | 0.15% | 0.16% | 0.17% | 0.19% | 0.03% | 0.00% | -16 bps | |