Kansas City, MO · Charter 64756
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 64756
Q2 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.51% | 0.53% | 0.55% | -0.21% | -82 bps | |
| Return on Equity | n/a | 4.16% | 4.31% | 4.55% | -1.85% | n/a | |
| Net Interest Margin | 1.64% | 1.75% | 1.70% | 1.70% | 0.88% | -76 bps | |
| Efficiency Ratio | 66.50% | 72.28% | 71.82% | 68.99% | 122.27% | +5,578 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.10% | -4.72% | -7.29% | -5.01% | 2.22% | -288 bps | |
| Loan Growth (YoY) | -19.46% | -12.55% | 5.03% | 19.97% | 8.01% | +2,747 bps | |
| Share Growth (YoY) | 4.40% | -4.90% | -10.90% | -6.45% | 2.05% | -235 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.00% | 0.00% | 0.10% | 0.00% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.61% | 0.55% | 0.54% | 0.63% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 12.23% | 12.27% | 12.16% | 11.31% | n/a | |
| Net Worth / Assets | n/a | 12.23% | 12.27% | 12.16% | 11.31% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.23% | 26.54% | 27.96% | 27.65% | 22.47% | +124 bps | |
| Liquid Assets / Assets | 6.86% | 9.02% | 21.33% | 42.07% | 53.66% | +4,681 bps | |