Kansas City, KS · Charter 67998
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | -0.59% | 0.22% | 0.19% | 0.22% | 0.20% | 0.09% | -84.64% | -8,483 bps | |
| Return on Equity | 0.50% | -2.15% | 0.86% | 0.71% | 0.82% | 0.69% | 0.31% | n/a | n/a | |
| Net Interest Margin | 5.62% | 6.10% | 5.54% | 5.68% | 5.67% | 6.23% | 5.69% | -6.77% | -1,245 bps | |
| Efficiency Ratio | 93.90% | 92.40% | 93.06% | 93.45% | 92.48% | 90.21% | 98.56% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.93% | -13.64% | -11.43% | -13.20% | -5.29% | -5.25% | -8.91% | -37.81% | -2,461 bps | |
| Loan Growth (YoY) | -4.23% | -9.96% | -2.02% | -11.39% | -4.94% | -5.90% | -16.73% | -24.22% | -1,283 bps | |
| Share Growth (YoY) | -15.55% | -17.28% | -14.28% | -16.63% | -6.47% | -7.47% | -12.16% | -22.02% | -540 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.18% | 0.00% | 1.86% | 0.12% | 0.00% | 0.05% | 0.02% | 0.13% | +1 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 | 0.50% | 1.21% | 1.28% | 1.08% | 1.02% | 1.37% | 1.55% | 37.31% | +3,623 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.70% | 27.22% | 25.67% | 26.23% | 26.63% | 28.93% | 28.34% | 0.00% | -2,623 bps | |
| Net Worth / Assets | 25.70% | 27.22% | 25.67% | 26.23% | 26.63% | 28.93% | 28.34% | 0.00% | -2,623 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.59% | 106.46% | 98.08% | 93.79% | 99.18% | 108.27% | 92.98% | 91.15% | -264 bps | |
| Liquid Assets / Assets | 24.08% | 20.31% | 24.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |