Kansas City, MO · Charter 64802
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 64802
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 | -0.88% | -0.86% | -0.37% | 0.09% | -1.78% | -1.75% | -2.59% | -13.06% | -1,315 bps | |
| Return on Equity | -5.83% | -6.03% | -2.51% | 0.61% | -13.35% | -12.87% | -19.85% | -133.65% | -13,427 bps | |
| Net Interest Margin | 2.11% | 2.10% | 2.41% | 2.57% | 2.41% | 2.91% | 2.86% | 2.43% | -14 bps | |
| Efficiency Ratio | 144.33% | 142.69% | 116.57% | 96.62% | 69.18% | 107.35% | 121.31% | 592% | +49,546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.09% | -1.35% | 3.00% | 1.42% | 0.08% | -2.71% | -5.77% | -9.52% | -1,094 bps | |
| Loan Growth (YoY) | 3.05% | 10.64% | -1.63% | -0.60% | -21.30% | -21.94% | -21.64% | -29.68% | -2,908 bps | |
| Share Growth (YoY) | -3.00% | -3.06% | 1.31% | 3.43% | 2.05% | -0.94% | -2.82% | -4.05% | -748 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.28% | 8.14% | 11.20% | 11.73% | 12.84% | 13.90% | 16.66% | 18.30% | +657 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 | 3.29% | 3.51% | 3.70% | 3.81% | 6.30% | 6.69% | 8.81% | 6.13% | +232 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.02% | 14.19% | 14.72% | 14.16% | 13.37% | 13.57% | 13.04% | 9.77% | -439 bps | |
| Net Worth / Assets | 15.02% | 14.19% | 14.72% | 14.16% | 13.37% | 13.57% | 13.04% | 9.77% | -439 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.63% | 56.31% | 54.88% | 50.59% | 45.21% | 44.37% | 44.25% | 37.08% | -1,351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |