Kansas City, KS · Charter 67978
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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, KS · Charter 67978
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.44% | -0.78% | 3.07% | 1.77% | 0.88% | -3.39% | -10.71% | -7.90% | -968 bps | |
| Return on Equity | -125.86% | -17.59% | 48.32% | 27.86% | 14.31% | -65.42% | -1126% | -1447% | -147,452 bps | |
| Net Interest Margin | 5.74% | 6.32% | 5.69% | 5.43% | 5.57% | 3.97% | 4.15% | 4.16% | -127 bps | |
| Efficiency Ratio | 168.68% | 93.34% | 69.89% | 77.39% | 80.62% | 128.21% | 123.20% | 121.92% | +4,453 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -34.90% | -45.91% | -40.02% | -36.04% | -19.67% | -12.25% | -10.90% | -11.32% | +2,473 bps | |
| Loan Growth (YoY) | -41.71% | -56.27% | -49.03% | -42.74% | -15.62% | -7.22% | -5.45% | -13.85% | +2,888 bps | |
| Share Growth (YoY) | -20.33% | -20.18% | -22.10% | -18.08% | -21.19% | -13.18% | -5.84% | -0.90% | +1,718 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 2.88% | 3.68% | 6.23% | 5.49% | 6.62% | 7.37% | 10.93% | +470 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 | 1.46% | 1.63% | 1.30% | 1.33% | 1.42% | 1.54% | 6.62% | 7.02% | +569 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.32% | 4.43% | 6.35% | 6.37% | 6.15% | 5.18% | 0.95% | 0.55% | -582 bps | |
| Net Worth / Assets | 4.32% | 4.43% | 6.35% | 6.37% | 6.15% | 5.18% | 0.95% | 0.55% | -582 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.81% | 75.26% | 79.01% | 87.33% | 85.46% | 80.43% | 79.34% | 75.92% | -1,141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |