De Soto, KS · Cert 10908
FDIC · 3 branches
Q2 2014
Market Position · Kansas City, MO-KS · 2014 SOD (annual) · 0.1% share · #84 of 136 inst. · $0.1B of $46.5B
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.64% | 1.33% | 1.48% | 1.61% | 1.61% | 1.48% | 2.08% | +60 bps | |
| Return on Equity | 10.18% | 9.06% | 9.09% | 9.99% | 10.71% | 10.58% | 9.22% | 13.23% | +324 bps | |
| Net Interest Margin | 5.23% | 4.48% | 4.67% | 4.81% | 4.96% | 4.99% | 5.31% | 4.97% | +16 bps | |
| Efficiency Ratio | 60.55% | 61.09% | 66.74% | 65.65% | 64.32% | 65.55% | 69.44% | 63.08% | -257 bps | |
| Non-Interest Burden | 3.10% | 2.60% | 3.10% | 3.12% | 3.15% | 3.18% | 3.67% | 2.70% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.73% | 54.04% | 35.39% | 30.28% | 32.39% | -2.56% | -3.88% | 0.90% | -2,938 bps | |
| Loan Growth (YoY) | 25.77% | 44.42% | 45.74% | 23.81% | 23.58% | 8.03% | 8.81% | 7.78% | -1,603 bps | |
| Deposit Growth (YoY) | -4.05% | 51.22% | 48.44% | 41.34% | 44.39% | -4.61% | -5.80% | 0.97% | -4,037 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 | 0.07% | 0.05% | 0.07% | 0.01% | 0.00% | 0.00% | -0.03% | 0.08% | +7 bps | |
| Allowance / Loans | 1.82% | 1.85% | 1.81% | 1.89% | 1.94% | 1.92% | 1.86% | 1.87% | -2 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.45% | 15.33% | 14.68% | 15.07% | 15.64% | 15.66% | 14.72% | 14.77% | -30 bps | |
| Equity / Assets | 19.34% | 14.46% | 14.88% | 15.19% | 15.64% | 16.05% | 15.98% | 15.21% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.33% | 87.94% | 93.10% | 93.84% | 95.28% | 99.59% | 107.54% | 100.17% | +633 bps | |
| Liquid Assets / Assets | 1.06% | 0.76% | 0.73% | 0.90% | 3.46% | 3.44% | 1.33% | 1.25% | +35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |