Sedalia, MO · Cert 13787
FDIC · 4 branches
Q1 2020
Market Position · Columbia, MO · 2019 SOD (annual) · 0.1% share · #30 of 39 inst. · $0.0B of $5.2B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.26% | 1.34% | 1.08% | 1.19% | 1.15% | 1.20% | 1.40% | +32 bps | |
| Return on Equity | 12.18% | 12.23% | 12.82% | 10.16% | 11.13% | 10.71% | 11.11% | 12.79% | +263 bps | |
| Net Interest Margin | 3.33% | 3.36% | 3.39% | 3.28% | 3.26% | 3.18% | 3.16% | 3.19% | -8 bps | |
| Efficiency Ratio | 67.02% | 67.10% | 65.32% | 70.72% | 67.97% | 68.78% | 67.43% | 61.36% | -935 bps | |
| Non-Interest Burden | 2.08% | 2.10% | 2.05% | 2.20% | 2.08% | 2.05% | 1.99% | 1.81% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.10% | 2.62% | 0.56% | 7.88% | 7.94% | 7.25% | 5.55% | 2.92% | -495 bps | |
| Loan Growth (YoY) | 15.55% | 10.04% | 2.92% | 5.30% | 2.27% | 2.05% | 3.63% | 5.09% | -21 bps | |
| Deposit Growth (YoY) | 7.68% | 6.13% | 6.34% | 7.84% | 7.93% | 7.57% | 6.27% | 2.59% | -525 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.30% | 0.29% | 0.50% | 0.29% | 0.28% | 0.26% | 0.25% | -26 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 2.40% | 2.36% | 2.32% | 2.32% | 2.35% | 2.31% | 2.24% | 2.21% | -11 bps | |
| Allowance Coverage of NPLs | 8.2x | 7.8x | 8.0x | 4.6x | 8.1x | 8.4x | 8.6x | 9.0x | +4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.58% | 10.81% | 11.19% | 10.61% | 10.76% | 10.78% | 10.59% | 10.90% | +28 bps | |
| Total Risk-Based Capital | 16.67% | 16.67% | 16.79% | 16.33% | 17.04% | 17.00% | 16.54% | 16.84% | +51 bps | |
| Equity / Assets | 10.37% | 10.47% | 10.86% | 10.41% | 10.73% | 10.98% | 10.85% | 10.99% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.80% | 85.36% | 85.64% | 81.99% | 80.35% | 80.98% | 83.51% | 83.98% | +199 bps | |
| Liquid Assets / Assets | 0.08% | 0.03% | 0.03% | 0.04% | 0.04% | 0.04% | 0.04% | 0.05% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |