Wichita, KS · Charter 68189
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Wichita, KS · Charter 68189
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.75% | -3.53% | -2.48% | 2.99% | 0.81% | 0.65% | -4.98% | -1.52% | -451 bps | |
| Return on Equity | -138.60% | -94.94% | -66.83% | 76.37% | 22.13% | 17.27% | n/a | n/a | n/a | |
| Net Interest Margin | 9.60% | 9.71% | 9.39% | 10.16% | 9.37% | 9.55% | 9.20% | 10.98% | +82 bps | |
| Efficiency Ratio | 71.46% | 71.04% | 70.43% | 61.82% | 68.75% | 69.56% | 82.74% | 104.31% | +4,250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.87% | 3.71% | -1.04% | 10.01% | 6.05% | 3.52% | -0.41% | -12.33% | -2,234 bps | |
| Loan Growth (YoY) | 13.55% | 8.06% | 6.51% | 5.86% | 12.27% | 9.79% | 0.21% | -4.49% | -1,035 bps | |
| Share Growth (YoY) | 0.19% | 4.88% | 0.01% | 9.26% | 2.27% | 1.24% | 4.54% | -9.52% | -1,878 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.85% | 10.26% | 10.91% | 9.26% | 8.76% | 10.36% | 10.28% | 15.47% | +621 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 | 4.03% | 3.87% | 4.24% | 4.28% | 3.92% | 4.00% | 7.14% | 9.12% | +484 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.15% | 3.72% | 3.71% | 3.91% | 3.66% | 3.75% | -2.07% | -1.28% | -520 bps | |
| Net Worth / Assets | 4.15% | 3.72% | 3.71% | 3.91% | 3.66% | 3.75% | -2.07% | -1.28% | -520 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.76% | 95.74% | 98.34% | 95.37% | 104.03% | 103.83% | 94.26% | 100.67% | +530 bps | |
| Liquid Assets / Assets | 2.83% | 3.19% | 3.42% | 5.97% | 0.00% | 0.00% | 0.00% | 0.00% | -597 bps | |