Kansas City, MO · Charter 68370
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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, MO · Charter 68370
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.35% | -0.24% | 0.63% | 0.64% | 0.22% | 0.13% | 0.55% | -8 bps | |
| Return on Equity | 20.11% | 18.18% | -3.42% | 8.34% | 9.21% | 3.18% | 1.87% | 7.97% | -37 bps | |
| Net Interest Margin | 4.30% | 4.01% | 3.75% | 3.84% | 3.46% | 3.56% | 3.78% | 3.71% | -13 bps | |
| Efficiency Ratio | 70.21% | 68.62% | 94.35% | 85.85% | 83.26% | 84.25% | 88.04% | 81.59% | -427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 59.22% | 57.90% | 29.01% | 16.58% | 25.65% | 12.51% | 4.83% | 13.19% | -339 bps | |
| Loan Growth (YoY) | 29.10% | 12.30% | 5.64% | 10.55% | 11.59% | 22.86% | 28.37% | 28.45% | +1,790 bps | |
| Share Growth (YoY) | 62.51% | 63.43% | 30.50% | 17.69% | 29.98% | 12.39% | 5.21% | 13.68% | -401 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.24% | 1.06% | 0.97% | 0.91% | 0.75% | 0.00% | 0.00% | -97 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 | 1.47% | 1.70% | 1.56% | 1.24% | 1.29% | 0.99% | 0.75% | 0.75% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.82% | 7.44% | 7.12% | 7.54% | 6.95% | 6.84% | 7.11% | 6.86% | -67 bps | |
| Net Worth / Assets | 7.82% | 7.44% | 7.12% | 7.54% | 6.95% | 6.84% | 7.11% | 6.86% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.11% | 62.29% | 60.93% | 66.71% | 55.90% | 68.09% | 74.34% | 75.38% | +866 bps | |
| Liquid Assets / Assets | 39.64% | 36.43% | 33.78% | 19.64% | 26.94% | 14.47% | 11.36% | 18.98% | -65 bps | |