Wichita, KS · Charter 7152
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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 7152
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 4.53% | 4.53% | 4.73% | 4.56% | 5.23% | 4.77% | 4.14% | -59 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 11.79% | 10.93% | 14.58% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -0.26% | 7.39% | 17.47% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 10.72% | 10.42% | 15.40% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 1.31% | 0.45% | 0.14% | 0.33% | 0.18% | 0.69% | 0.61% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.05% | 1.12% | 0.97% | 0.92% | 0.85% | 0.77% | -35 bps | |
| Capital | |||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||||
| Loans / Shares | 85.37% | 83.10% | 80.89% | 81.19% | 76.90% | 80.82% | 82.33% | +145 bps | |
| Liquid Assets / Assets | 13.80% | 11.12% | 9.32% | 10.69% | 15.25% | 16.18% | 10.32% | +100 bps | |