Leavenworth, KS · Charter 67771
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.20% | -1.49% | -3.80% | -3.35% | -8.78% | -5.08% | -3.91% | -11 bps | |
| Return on Equity | 0.08% | 2.64% | -21.32% | -65.04% | -58.25% | -210% | -117.47% | -95.41% | -3,038 bps | |
| Net Interest Margin | 4.53% | 4.58% | 4.89% | 5.55% | 5.69% | 5.05% | 5.44% | 5.58% | +3 bps | |
| Efficiency Ratio | 79.10% | 83.81% | 87.60% | 86.92% | 86.25% | 89.92% | 76.85% | 86.89% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.32% | 0.87% | -1.30% | -13.72% | -15.65% | -23.70% | -28.72% | -21.96% | -825 bps | |
| Loan Growth (YoY) | 11.72% | 1.18% | -10.94% | -14.27% | -19.48% | -22.47% | -23.92% | -25.89% | -1,162 bps | |
| Share Growth (YoY) | 13.56% | 0.70% | -0.55% | -12.23% | -13.84% | -20.83% | -27.44% | -21.31% | -908 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.15% | 2.21% | 4.87% | 1.81% | 3.65% | 2.86% | 3.59% | 4.65% | +284 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 | 0.37% | 0.39% | 0.92% | 2.12% | 2.13% | 2.72% | 3.04% | 2.60% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.68% | 7.75% | 6.99% | 5.84% | 5.75% | 4.18% | 4.32% | 4.10% | -174 bps | |
| Net Worth / Assets | 7.68% | 7.75% | 6.99% | 5.84% | 5.75% | 4.18% | 4.32% | 4.10% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.49% | 87.85% | 82.60% | 87.40% | 85.50% | 86.03% | 86.60% | 82.31% | -509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |