Kansas City, MO · Charter 64711
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 64711
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.30% | -0.27% | -2.71% | -1.87% | -0.38% | -1.30% | -0.54% | +217 bps | |
| Return on Equity | -2.30% | -2.10% | -2.02% | -21.18% | -14.10% | -2.82% | -9.92% | -3.91% | +1,727 bps | |
| Net Interest Margin | 5.16% | 5.07% | 4.78% | 3.90% | 4.23% | 4.29% | 4.16% | 4.82% | +92 bps | |
| Efficiency Ratio | 106.35% | 105.72% | 105.60% | 117.66% | 118.71% | 89.50% | 110.70% | 110.54% | -712 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.11% | -9.61% | -1.76% | 3.02% | -1.66% | -2.85% | -5.65% | -12.76% | -1,579 bps | |
| Loan Growth (YoY) | -10.15% | -7.98% | -20.02% | -19.52% | -18.95% | -19.73% | -11.68% | -6.22% | +1,331 bps | |
| Share Growth (YoY) | -13.43% | -10.89% | -1.63% | 4.65% | -0.70% | -2.44% | -5.25% | -13.77% | -1,842 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 1.60% | 5.81% | 6.23% | 1.35% | 12.08% | 16.58% | 7.46% | +123 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 | 0.93% | 0.85% | 0.98% | 1.07% | 1.07% | 1.05% | 1.10% | 1.14% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.09% | 14.11% | 13.56% | 12.82% | 13.27% | 13.55% | 13.08% | 13.94% | +112 bps | |
| Net Worth / Assets | 14.09% | 14.11% | 13.56% | 12.82% | 13.27% | 13.55% | 13.08% | 13.94% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.57% | 110.33% | 91.62% | 82.80% | 87.80% | 90.77% | 85.40% | 90.06% | +726 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |