Kansas City, MO · Charter 64756
Q2 2002
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.99% | 5.09% | 0.51% | 0.61% | 0.51% | 0.53% | 0.55% | -0.21% | -82 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.16% | 4.31% | 4.55% | -1.85% | n/a | |
| Net Interest Margin | n/a | n/a | 1.60% | 1.64% | 1.75% | 1.70% | 1.70% | 0.88% | -76 bps | |
| Efficiency Ratio | n/a | n/a | 68.09% | 66.50% | 72.28% | 71.82% | 68.99% | 122.27% | +5,578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.65% | 1.40% | 5.46% | 5.10% | -4.72% | -7.29% | -5.01% | 2.22% | -288 bps | |
| Loan Growth (YoY) | -14.17% | -20.59% | -22.27% | -19.46% | -12.55% | 5.03% | 19.97% | 8.01% | +2,747 bps | |
| Share Growth (YoY) | -5.57% | 2.63% | 5.34% | 4.40% | -4.90% | -10.90% | -6.45% | 2.05% | -235 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.10% | 0.02% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.64% | 0.53% | 0.56% | 0.61% | 0.55% | 0.54% | 0.63% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.23% | 12.27% | 12.16% | 11.31% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.23% | 12.27% | 12.16% | 11.31% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.86% | 23.72% | 21.56% | 21.23% | 26.54% | 27.96% | 27.65% | 22.47% | +124 bps | |
| Liquid Assets / Assets | 15.83% | 10.81% | 6.00% | 6.86% | 9.02% | 21.33% | 42.07% | 53.66% | +4,681 bps | |