Topeka, KS · Charter 68006
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Topeka, KS · Charter 68006
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | 1.61% | 0.52% | 1.17% | 0.82% | -6.11% | -3.08% | -3.61% | -478 bps | |
| Return on Equity | -9.81% | 15.36% | 4.86% | 10.59% | 7.18% | -64.24% | -29.80% | -36.57% | -4,716 bps | |
| Net Interest Margin | 6.00% | 4.90% | 4.86% | 5.31% | 5.69% | 4.98% | 5.23% | 5.81% | +50 bps | |
| Efficiency Ratio | 73.42% | 69.77% | 90.20% | 62.33% | 65.50% | 90.87% | 91.73% | 87.47% | +2,514 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.38% | -2.72% | 0.63% | 5.21% | -0.45% | -1.59% | -5.89% | -12.80% | -1,800 bps | |
| Loan Growth (YoY) | -7.28% | -7.84% | 11.22% | 6.68% | 10.43% | 13.55% | -10.84% | -17.13% | -2,381 bps | |
| Share Growth (YoY) | -5.62% | -5.03% | 1.98% | 6.14% | 1.37% | 2.44% | -5.49% | -11.29% | -1,743 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.24% | 14.05% | 10.59% | 9.01% | 12.39% | 10.06% | 8.79% | 11.56% | +254 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 | 3.31% | 3.47% | 3.20% | 2.87% | 3.48% | 4.46% | 5.13% | 4.43% | +155 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.49% | 10.45% | 10.64% | 11.06% | 11.39% | 9.52% | 10.35% | 9.87% | -119 bps | |
| Net Worth / Assets | 10.49% | 10.45% | 10.64% | 11.06% | 11.39% | 9.52% | 10.35% | 9.87% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.73% | 80.75% | 91.31% | 89.56% | 94.49% | 89.51% | 86.14% | 83.66% | -590 bps | |
| Liquid Assets / Assets | 25.78% | 31.05% | 19.35% | 21.26% | 17.34% | 20.34% | 23.63% | 24.72% | +346 bps | |