Kansas City, MO · Charter 64682
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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 64682
Q3 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.36% | -0.16% | -0.86% | -0.49% | -1.84% | -4.25% | -4.95% | -3.88% | -339 bps | |
| Return on Equity | -14.47% | -1.70% | -8.62% | -4.80% | -20.38% | -49.50% | -64.10% | -49.68% | -4,488 bps | |
| Net Interest Margin | 5.93% | 5.62% | 5.64% | 5.57% | 5.67% | 4.25% | 4.46% | 4.57% | -101 bps | |
| Efficiency Ratio | 82.30% | 73.76% | 104.63% | 92.86% | 94.15% | 136.61% | 134.05% | 131.74% | +3,888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.94% | 2.14% | -11.48% | -10.83% | -9.23% | -20.24% | -15.45% | -18.29% | -746 bps | |
| Loan Growth (YoY) | -4.81% | -19.17% | -40.59% | -50.53% | -54.16% | -48.66% | -38.73% | -35.62% | +1,492 bps | |
| Share Growth (YoY) | -9.63% | 3.35% | -11.86% | -11.64% | -8.90% | -19.81% | -13.13% | -16.13% | -449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.06% | 7.65% | 8.54% | 5.76% | 7.53% | 10.31% | 12.98% | 12.61% | +685 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 | 3.82% | 3.68% | 3.19% | 2.20% | 3.56% | 4.65% | 6.04% | 4.99% | +279 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.26% | 9.96% | 10.17% | 9.04% | 8.58% | 7.73% | 7.80% | -237 bps | |
| Net Worth / Assets | 9.37% | 9.26% | 9.96% | 10.17% | 9.04% | 8.58% | 7.73% | 7.80% | -237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.57% | 72.51% | 63.56% | 54.23% | 47.58% | 46.42% | 44.83% | 41.63% | -1,260 bps | |
| Liquid Assets / Assets | 14.03% | 34.53% | 42.47% | 49.76% | 55.45% | 56.50% | 58.09% | 50.12% | +36 bps | |