Home > Bank of Kansas City > Performance and Condition Ratios
Bank of Kansas City, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0548% | 7,560 |
| Cost of funding earning assets | 0.6706% | 6,959 |
| Net interest margin | 1.3843% | 7,559 |
| Noninterest income to average assets | 1.4940% | 650 |
| Noninterest expense to average assets | 3.7673% | 1,546 |
| Loan and lease loss provision to assets | 0.1179% | 5,980 |
| Net operating income to assets | -0.7045% | 6,520 |
| Return on assets (ROA) | -0.6776% | 6,535 |
| Pretax return on assets | -1.0547% | 6,671 |
| Return on Equity (ROE) | -8.6407% | 6,657 |
| Retained earnings to average equity (ytd only) | -8.6407% | 6,571 |
| Net charge-offs to loans | 0.1070% | 5,804 |
| Credit loss provision to net charge-offs | 509.2593% | 447 |
| Earnings coverage of net charge-offs (x) | -42.2963% | 6,838 |
| Efficiency ratio | 135.1061% | 279 |
| Assets per employee ($millions) | 3.5623% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 1,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 19.4121% | 7,524 |
| Net loans and leases to deposits | 21.4715% | 7,545 |
| Net loans and leases to core deposits | 24.1285% | 7,529 |
| Total domestic deposits to total assets | 90.4084% | 882 |
| Equity capital to assets | 8.5774% | 5,753 |
| Core capital (leverage) ratio | 6.2127% | 7,260 |
| Tier 1 risk-based capital ratio | 18.3403% | 1,898 |
| Total risk-based capital ratio | 19.4466% | 1,904 |
| Memoranda: | ||
| Average total assets | $233,326,400 | 2,705 |
| Average earning assets | $218,166,800 | 2,654 |
| Average equity | $18,297,200 | 3,380 |
| Average total loans | $50,475,200 | 5,469 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0483% | 7,688 |
| Cost of funding earning assets | 0.6671% | 7,136 |
| Net interest margin | 1.3812% | 7,681 |
| Noninterest income to average assets | 1.4003% | 692 |
| Noninterest expense to average assets | 3.6089% | 1,772 |
| Loan and lease loss provision to assets | 0.1068% | 5,969 |
| Net operating income to assets | -0.6531% | 6,696 |
| Return on assets (ROA) | -0.6531% | 6,744 |
| Pretax return on assets | -1.0261% | 6,872 |
| Return on Equity (ROE) | -8.5509% | 6,861 |
| Retained earnings to average equity (ytd only) | -8.5509% | 6,804 |
| Net charge-offs to loans | 0.0343% | 6,216 |
| Credit loss provision to net charge-offs | 1,407.6923% | 216 |
| Earnings coverage of net charge-offs (x) | -121.1743% | 6,665 |
| Efficiency ratio | 134.1797% | 272 |
| Assets per employee ($millions) | 5.1938% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4076% | 1,464 |
| Loan loss allowance to noncurrent loans | 2,757.8947% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 7,337 |
| Noncurrent loans to loans | 0.0873% | 7,014 |
| Net loans and leases to total assets | 13.6320% | 7,672 |
| Net loans and leases to deposits | 14.7543% | 7,688 |
| Net loans and leases to core deposits | 16.2142% | 7,675 |
| Total domestic deposits to total assets | 92.3932% | 139 |
| Equity capital to assets | 6.2311% | 7,460 |
| Core capital (leverage) ratio | 6.3778% | 7,364 |
| Tier 1 risk-based capital ratio | 15.5151% | 2,990 |
| Total risk-based capital ratio | 16.5556% | 3,056 |
| Memoranda: | ||
| Average total assets | $228,428,000 | 2,811 |
| Average earning assets | $213,240,000 | 2,749 |
| Average equity | $17,448,000 | 3,566 |
| Average total loans | $50,545,000 | 5,548 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3012% | 7,756 |
| Cost of funding earning assets | 0.7376% | 7,104 |
| Net interest margin | 1.5637% | 7,732 |
| Noninterest income to average assets | 0.8869% | 1,737 |
| Noninterest expense to average assets | 4.0519% | 980 |
| Loan and lease loss provision to assets | 0.1993% | 4,876 |
| Net operating income to assets | -1.2208% | 7,040 |
| Return on assets (ROA) | -1.2208% | 7,056 |
| Pretax return on assets | -1.9213% | 7,214 |
| Return on Equity (ROE) | -14.5909% | 7,132 |
| Retained earnings to average equity (ytd only) | -14.5909% | 7,093 |
| Net charge-offs to loans | 0.0492% | 5,696 |
| Credit loss provision to net charge-offs | 1,538.4615% | 259 |
| Earnings coverage of net charge-offs (x) | -132.9231% | 6,367 |
| Efficiency ratio | 173.9093% | 139 |
| Assets per employee ($millions) | 4.0565% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 3,123 |
| Loan loss allowance to noncurrent loans | 2,597.5610% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 7,363 |
| Noncurrent loans to loans | 0.0650% | 7,152 |
| Net loans and leases to total assets | 26.3665% | 7,607 |
| Net loans and leases to deposits | 28.8558% | 7,652 |
| Net loans and leases to core deposits | 32.5049% | 7,624 |
| Total domestic deposits to total assets | 91.3731% | 364 |
| Equity capital to assets | 7.3705% | 7,184 |
| Core capital (leverage) ratio | 6.6509% | 7,333 |
| Tier 1 risk-based capital ratio | 13.8031% | 3,874 |
| Total risk-based capital ratio | 14.8624% | 3,958 |
| Memoranda: | ||
| Average total assets | $200,694,670 | 3,158 |
| Average earning assets | $185,207,000 | 3,132 |
| Average equity | $16,791,330 | 3,669 |
| Average total loans | $52,883,670 | 5,471 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5333% | 7,850 |
| Cost of funding earning assets | 0.8005% | 7,086 |
| Net interest margin | 1.7328% | 7,793 |
| Noninterest income to average assets | 1.1363% | 966 |
| Noninterest expense to average assets | 4.4317% | 621 |
| Loan and lease loss provision to assets | 0.2421% | 4,113 |
| Net operating income to assets | -1.0251% | 7,116 |
| Return on assets (ROA) | -1.0251% | 7,138 |
| Pretax return on assets | -1.9607% | 7,405 |
| Return on Equity (ROE) | -11.3826% | 7,187 |
| Retained earnings to average equity (ytd only) | -11.3826% | 7,037 |
| Net charge-offs to loans | 0.0335% | 5,111 |
| Credit loss provision to net charge-offs | 2,775.0000% | 184 |
| Earnings coverage of net charge-offs (x) | -197.0000% | 5,608 |
| Efficiency ratio | 163.3441% | 167 |
| Assets per employee ($millions) | 3.6524% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 1,777 |
| Loan loss allowance to noncurrent loans | 2,290.6977% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 7,446 |
| Noncurrent loans to loans | 0.0956% | 7,157 |
| Net loans and leases to total assets | 19.4232% | 7,795 |
| Net loans and leases to deposits | 21.2524% | 7,822 |
| Net loans and leases to core deposits | 24.2075% | 7,801 |
| Total domestic deposits to total assets | 91.3928% | 410 |
| Equity capital to assets | 7.8021% | 6,849 |
| Core capital (leverage) ratio | 8.6754% | 5,059 |
| Tier 1 risk-based capital ratio | 16.3381% | 2,513 |
| Total risk-based capital ratio | 17.4185% | 2,537 |
| Memoranda: | ||
| Average total assets | $183,404,000 | 3,452 |
| Average earning assets | $166,899,000 | 3,448 |
| Average equity | $16,516,500 | 3,751 |
| Average total loans | $47,776,000 | 5,770 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0854% | 7,925 |
| Cost of funding earning assets | 1.3712% | 6,049 |
| Net interest margin | 0.7142% | 7,952 |
| Noninterest income to average assets | 3.3853% | 201 |
| Noninterest expense to average assets | 5.3418% | 427 |
| Loan and lease loss provision to assets | 0.3729% | 4,543 |
| Net operating income to assets | -1.1095% | 6,650 |
| Return on assets (ROA) | -1.1095% | 6,652 |
| Pretax return on assets | -1.6847% | 6,806 |
| Return on Equity (ROE) | -10.6227% | 6,662 |
| Retained earnings to average equity (ytd only) | -10.6227% | 6,560 |
| Net charge-offs to loans | 0.6492% | 3,242 |
| Credit loss provision to net charge-offs | 234.0249% | 1,552 |
| Earnings coverage of net charge-offs (x) | -8.2324% | 7,154 |
| Efficiency ratio | 132.5513% | 450 |
| Assets per employee ($millions) | 2.2279% | 7,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 2,763 |
| Loan loss allowance to noncurrent loans | 1,908.6957% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 7,440 |
| Noncurrent loans to loans | 0.0909% | 7,185 |
| Net loans and leases to total assets | 35.4133% | 7,546 |
| Net loans and leases to deposits | 40.1533% | 7,626 |
| Net loans and leases to core deposits | 82.6956% | 5,849 |
| Total domestic deposits to total assets | 88.1951% | 1,888 |
| Equity capital to assets | 10.9471% | 2,744 |
| Core capital (leverage) ratio | 10.1680% | 2,926 |
| Tier 1 risk-based capital ratio | 16.7518% | 2,220 |
| Total risk-based capital ratio | 17.8564% | 2,224 |
| Memoranda: | ||
| Average total assets | $151,240,600 | 3,936 |
| Average earning assets | $136,518,600 | 3,969 |
| Average equity | $15,796,400 | 3,901 |
| Average total loans | $37,120,000 | 6,247 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7496% | 8,040 |
| Cost of funding earning assets | 1.4711% | 5,954 |
| Net interest margin | 0.2786% | 8,068 |
| Noninterest income to average assets | 3.3401% | 196 |
| Noninterest expense to average assets | 5.1388% | 444 |
| Loan and lease loss provision to assets | 0.3421% | 4,279 |
| Net operating income to assets | -1.2358% | 6,978 |
| Return on assets (ROA) | -1.2358% | 6,984 |
| Pretax return on assets | -1.8879% | 7,127 |
| Return on Equity (ROE) | -11.9630% | 7,018 |
| Retained earnings to average equity (ytd only) | -11.9630% | 6,942 |
| Net charge-offs to loans | 0.5135% | 3,159 |
| Credit loss provision to net charge-offs | 303.8462% | 1,357 |
| Earnings coverage of net charge-offs (x) | -13.7307% | 6,923 |
| Efficiency ratio | 143.0224% | 354 |
| Assets per employee ($millions) | 2.1234% | 7,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9547% | 1,901 |
| Loan loss allowance to noncurrent loans | 546.6667% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 7,278 |
| Noncurrent loans to loans | 0.3576% | 6,638 |
| Net loans and leases to total assets | 29.8001% | 7,812 |
| Net loans and leases to deposits | 34.7799% | 7,849 |
| Net loans and leases to core deposits | 99.0154% | 4,485 |
| Total domestic deposits to total assets | 85.6821% | 2,871 |
| Equity capital to assets | 11.4155% | 2,662 |
| Core capital (leverage) ratio | 7.8880% | 6,516 |
| Tier 1 risk-based capital ratio | 17.7266% | 2,067 |
| Total risk-based capital ratio | 18.8004% | 2,073 |
| Memoranda: | ||
| Average total assets | $153,961,500 | 3,911 |
| Average earning assets | $139,757,750 | 3,932 |
| Average equity | $15,904,250 | 3,927 |
| Average total loans | $33,754,250 | 6,459 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0662% | 8,158 |
| Cost of funding earning assets | 1.4933% | 6,168 |
| Net interest margin | -0.4270% | 8,186 |
| Noninterest income to average assets | 3.9077% | 171 |
| Noninterest expense to average assets | 5.1107% | 476 |
| Loan and lease loss provision to assets | 0.2449% | 4,623 |
| Net operating income to assets | -1.1691% | 7,096 |
| Return on assets (ROA) | -1.1691% | 7,103 |
| Pretax return on assets | -1.8396% | 7,230 |
| Return on Equity (ROE) | -11.6713% | 7,150 |
| Retained earnings to average equity (ytd only) | -11.6713% | 7,026 |
| Net charge-offs to loans | 0.8381% | 2,012 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | -9.7692% | 6,524 |
| Efficiency ratio | 145.3571% | 393 |
| Assets per employee ($millions) | 3.3043% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 2,056 |
| Loan loss allowance to noncurrent loans | 413.3333% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 7,396 |
| Noncurrent loans to loans | 0.4343% | 6,430 |
| Net loans and leases to total assets | 16.8275% | 8,067 |
| Net loans and leases to deposits | 18.7353% | 8,089 |
| Net loans and leases to core deposits | 109.6995% | 3,407 |
| Total domestic deposits to total assets | 89.8171% | 907 |
| Equity capital to assets | 7.5917% | 7,185 |
| Core capital (leverage) ratio | 6.7241% | 7,693 |
| Tier 1 risk-based capital ratio | 14.6313% | 3,173 |
| Total risk-based capital ratio | 15.2756% | 3,448 |
| Memoranda: | ||
| Average total assets | $159,274,330 | 3,843 |
| Average earning assets | $146,120,000 | 3,817 |
| Average equity | $15,953,670 | 3,933 |
| Average total loans | $31,022,000 | 6,671 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2476% | 8,208 |
| Cost of funding earning assets | 1.5238% | 6,330 |
| Net interest margin | -0.2762% | 8,241 |
| Noninterest income to average assets | 6.4722% | 105 |
| Noninterest expense to average assets | 5.3775% | 387 |
| Loan and lease loss provision to assets | 0.4373% | 2,738 |
| Net operating income to assets | 0.2577% | 5,453 |
| Return on assets (ROA) | 0.2577% | 5,618 |
| Pretax return on assets | 0.4054% | 5,382 |
| Return on Equity (ROE) | 2.1868% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.1868% | 4,658 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4525% | 2,021 |
| Assets per employee ($millions) | 3.2041% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3713% | 885 |
| Loan loss allowance to noncurrent loans | 264.4195% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 7,155 |
| Noncurrent loans to loans | 0.8968% | 5,211 |
| Net loans and leases to total assets | 15.3762% | 8,122 |
| Net loans and leases to deposits | 17.1201% | 8,147 |
| Net loans and leases to core deposits | 77.3614% | 6,586 |
| Total domestic deposits to total assets | 89.8137% | 881 |
| Equity capital to assets | 8.6464% | 5,847 |
| Core capital (leverage) ratio | 11.2853% | 2,285 |
| Tier 1 risk-based capital ratio | 17.9648% | 2,065 |
| Total risk-based capital ratio | 18.8125% | 2,108 |
| Memoranda: | ||
| Average total assets | $138,130,000 | 4,230 |
| Average earning assets | $125,999,000 | 4,243 |
| Average equity | $16,279,500 | 3,888 |
| Average total loans | $29,264,000 | 6,806 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 8,098 |
| Cost of funding earning assets | 2.3435% | 4,955 |
| Net interest margin | 1.7209% | 8,147 |
| Noninterest income to average assets | 5.0524% | 126 |
| Noninterest expense to average assets | 8.9643% | 178 |
| Loan and lease loss provision to assets | 1.7030% | 761 |
| Net operating income to assets | -2.6640% | 7,751 |
| Return on assets (ROA) | -2.6640% | 7,724 |
| Pretax return on assets | -4.1776% | 7,921 |
| Return on Equity (ROE) | -11.0785% | 7,351 |
| Retained earnings to average equity (ytd only) | -11.0785% | 7,166 |
| Net charge-offs to loans | 2.8040% | 333 |
| Credit loss provision to net charge-offs | 163.9456% | 3,146 |
| Earnings coverage of net charge-offs (x) | -2.3823% | 6,728 |
| Efficiency ratio | 138.1315% | 411 |
| Assets per employee ($millions) | 1.5302% | 8,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9301% | 1,361 |
| Loan loss allowance to noncurrent loans | 207.8652% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 6,372 |
| Noncurrent loans to loans | 0.9285% | 4,759 |
| Net loans and leases to total assets | 32.3317% | 7,933 |
| Net loans and leases to deposits | 39.9055% | 7,939 |
| Net loans and leases to core deposits | 128.5675% | 1,959 |
| Total domestic deposits to total assets | 81.0206% | 4,628 |
| Equity capital to assets | 18.5896% | 592 |
| Core capital (leverage) ratio | 23.8806% | 282 |
| Tier 1 risk-based capital ratio | 27.2953% | 812 |
| Total risk-based capital ratio | 28.4154% | 793 |
| Memoranda: | ||
| Average total assets | $70,758,400 | 6,009 |
| Average earning assets | $59,098,400 | 6,217 |
| Average equity | $17,015,000 | 3,737 |
| Average total loans | $26,212,800 | 6,953 |