Cameron, MO · Cert 10611
FDIC · 1 branch
Q2 2018
Market Position · St. Joseph, MO-KS · 2018 SOD (annual) · 0.8% share · #19 of 22 inst. · $0.0B of $2.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.87% | 0.56% | 1.16% | 0.33% | 0.27% | 1.03% | 2.26% | +111 bps | |
| Return on Equity | 3.65% | 11.35% | 7.31% | 14.71% | 4.18% | 3.52% | 10.42% | 17.80% | +308 bps | |
| Net Interest Margin | 4.12% | 4.27% | 4.19% | 4.30% | 4.24% | 4.14% | 3.93% | 4.04% | -26 bps | |
| Efficiency Ratio | 87.81% | 83.58% | 88.72% | 78.18% | 92.55% | 94.62% | 79.86% | 52.03% | -2,615 bps | |
| Non-Interest Burden | 3.46% | 3.41% | 3.62% | 3.15% | 3.86% | 3.87% | 2.79% | 1.69% | -146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | -2.99% | 1.19% | -1.60% | -1.23% | 1.86% | 16.39% | 5.00% | +660 bps | |
| Loan Growth (YoY) | 18.17% | 11.17% | 14.11% | -0.17% | -2.22% | -6.14% | -6.26% | -2.98% | -281 bps | |
| Deposit Growth (YoY) | 0.18% | -1.95% | 0.91% | 3.45% | 3.46% | 2.23% | 11.29% | -1.47% | -492 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 3.33% | 2.52% | 2.27% | 1.95% | 0.00% | 0.00% | -252 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.00% | 0.00% | 0.54% | 0.03% | 0.00% | 0.00% | 0.00% | -54 bps | |
| Allowance / Loans | 1.19% | 1.19% | 1.20% | 1.10% | 1.08% | 1.14% | 0.00% | 0.00% | -110 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.4x | 0.4x | 0.5x | 0.6x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.44% | 7.64% | 7.89% | 7.96% | 7.83% | 7.66% | 12.44% | 12.26% | +430 bps | |
| Total Risk-Based Capital | 13.40% | 13.04% | 13.13% | 13.81% | 14.36% | 15.09% | 21.35% | 22.35% | +854 bps | |
| Equity / Assets | 7.49% | 7.77% | 7.67% | 8.04% | 7.89% | 7.73% | 11.76% | 13.77% | +573 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.03% | 74.40% | 71.58% | 70.33% | 73.74% | 68.31% | 60.29% | 69.25% | -108 bps | |
| Liquid Assets / Assets | 24.53% | 24.04% | 27.25% | 29.21% | 26.28% | 30.13% | 37.68% | 30.30% | +109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |