Steele, MO · Cert 10629
FDIC · 2 branches
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 0.75% | 0.62% | 0.86% | 0.73% | -96 bps | |
| Return on Equity | 20.58% | 8.55% | 6.56% | 9.36% | 7.95% | -1,263 bps | |
| Net Interest Margin | 4.27% | 4.16% | 4.21% | 4.25% | 4.32% | +5 bps | |
| Efficiency Ratio | 66.93% | 75.39% | 78.49% | 71.92% | 70.78% | +384 bps | |
| Non-Interest Burden | 2.56% | 2.92% | 3.11% | 2.78% | 2.80% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.92% | -4.84% | -3.50% | -5.73% | -10.00% | -1,191 bps | |
| Loan Growth (YoY) | 2.75% | 2.61% | 4.59% | -2.05% | -5.02% | -777 bps | |
| Deposit Growth (YoY) | -1.13% | -6.17% | -4.16% | -5.00% | -9.64% | -850 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.43% | 0.22% | 0.05% | 0.49% | 0.11% | -33 bps | |
| Allowance / Loans | 1.04% | 1.23% | 1.22% | 1.07% | 1.04% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 9.33% | 9.34% | 9.20% | n/a | |
| Total Risk-Based Capital | 13.22% | 15.51% | 14.96% | 14.64% | 14.29% | +107 bps | |
| Equity / Assets | 8.15% | 9.63% | 9.31% | 9.09% | 9.28% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.35% | 83.69% | 85.96% | 93.74% | 101.28% | +493 bps | |
| Liquid Assets / Assets | 0.11% | 1.31% | 1.29% | 1.17% | 3.12% | +302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |