Steele, MO · Cert 10629
FDIC · 2 branches
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.71% | 0.75% | 1.08% | 1.01% | 0.62% | 0.74% | 0.74% | -34 bps | |
| Return on Equity | 12.20% | 8.17% | 8.84% | 12.81% | 11.73% | 6.56% | 7.92% | 7.92% | -489 bps | |
| Net Interest Margin | 4.27% | 4.00% | 4.08% | 3.97% | 4.17% | 4.21% | 4.18% | 4.13% | +17 bps | |
| Efficiency Ratio | 68.14% | 75.04% | 73.82% | 71.36% | 72.37% | 78.49% | 75.11% | 73.61% | +225 bps | |
| Non-Interest Burden | 2.64% | 2.78% | 2.77% | 2.58% | 2.77% | 3.11% | 2.91% | 2.81% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.88% | -0.85% | 2.14% | 1.92% | -4.84% | -3.50% | -5.73% | -10.00% | -1,191 bps | |
| Loan Growth (YoY) | 1.87% | -1.67% | 0.68% | 2.75% | 2.61% | 4.59% | -2.05% | -5.02% | -777 bps | |
| Deposit Growth (YoY) | 0.88% | -1.06% | -4.34% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.12% | 0.09% | 0.20% | 0.24% | 0.05% | 0.27% | 0.21% | +1 bps | |
| Allowance / Loans | 1.77% | 1.76% | 1.57% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 9.33% | 9.34% | 9.20% | n/a | |
| Total Risk-Based Capital | 14.96% | 15.13% | 13.84% | 13.22% | 15.51% | 14.96% | 14.64% | 14.29% | +107 bps | |
| Equity / Assets | 8.57% | 8.71% | 8.29% | 8.15% | 9.63% | 9.31% | 9.09% | 9.28% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.52% | 78.77% | 90.91% | 96.35% | 83.69% | 85.96% | 93.74% | 101.28% | +493 bps | |
| Liquid Assets / Assets | 0.54% | 0.13% | 0.28% | 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 | n/a | n/a | n/a |