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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.23% | 0.23% | 0.23% | 0.32% | 0.28% | 0.30% | 0.30% | +6 bps | |
| Return on Equity | 1.65% | 2.08% | 2.07% | 2.17% | 2.98% | 2.57% | 2.80% | 2.81% | +64 bps | |
| Net Interest Margin | 2.65% | 2.72% | 2.85% | 2.83% | 2.84% | 2.84% | 2.86% | 3.03% | +19 bps | |
| Efficiency Ratio | 89.95% | 87.20% | 88.38% | 87.78% | 85.02% | 85.42% | 83.91% | 84.40% | -338 bps | |
| Non-Interest Burden | 2.34% | 2.33% | 2.48% | 2.44% | 2.34% | 2.37% | 2.34% | 2.50% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.34% | 4.75% | 7.26% | 6.23% | 3.57% | 3.02% | 3.37% | 3.46% | -277 bps | |
| Loan Growth (YoY) | -0.67% | 1.26% | 5.06% | 10.13% | 8.64% | 5.38% | 6.44% | 3.28% | -685 bps | |
| Deposit Growth (YoY) | 2.49% | 5.30% | 8.07% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.96% | 0.96% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.92% | 10.97% | 10.97% | 10.84% | 10.51% | 10.49% | 10.68% | 10.79% | -5 bps | |
| Total Risk-Based Capital | 24.23% | 24.53% | 21.94% | 20.74% | 21.76% | 21.10% | 20.11% | 31.46% | +1,072 bps | |
| Equity / Assets | 10.98% | 11.04% | 10.99% | 10.60% | 10.74% | 10.88% | 10.74% | 10.38% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.16% | 56.09% | 57.49% | 57.85% | 57.68% | 57.25% | 59.04% | 57.62% | -23 bps | |
| Liquid Assets / Assets | 22.28% | 18.65% | 19.39% | 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 | n/a | n/a | n/a |