Pleasant Hill, MO · Cert 13915
FDIC · 2 branches
Q4 2016
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.1% share · #81 of 135 inst. · $0.1B of $52.7B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.32% | 0.30% | 0.30% | 0.30% | +8 bps | |
| Return on Equity | 1.99% | 2.98% | 2.78% | 2.79% | 2.79% | +80 bps | |
| Net Interest Margin | 2.74% | 2.84% | 2.84% | 2.86% | 2.92% | +18 bps | |
| Efficiency Ratio | 88.31% | 85.02% | 85.22% | 84.79% | 84.69% | -362 bps | |
| Non-Interest Burden | 2.37% | 2.34% | 2.36% | 2.36% | 2.42% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.23% | 3.57% | 3.02% | 3.37% | 3.46% | -277 bps | |
| Loan Growth (YoY) | 10.13% | 8.64% | 5.38% | 6.44% | 3.28% | -685 bps | |
| Deposit Growth (YoY) | 6.97% | 3.91% | 3.25% | 3.65% | 3.70% | -327 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.97% | 1.02% | 1.08% | 1.07% | 1.11% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.84% | 10.51% | 10.49% | 10.68% | 10.79% | -5 bps | |
| Total Risk-Based Capital | 20.74% | 21.76% | 21.10% | 20.11% | 31.46% | +1,072 bps | |
| Equity / Assets | 10.60% | 10.74% | 10.88% | 10.74% | 10.38% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.85% | 57.68% | 57.25% | 59.04% | 57.62% | -23 bps | |
| Liquid Assets / Assets | 16.68% | 17.63% | 16.79% | 15.26% | 15.86% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |