Platte City, MO · Cert 14869
FDIC · 9 branches
Q1 2020
Market Position · Kansas City, MO-KS · 2019 SOD (annual) · 0.9% share · #22 of 123 inst. · $0.5B of $61.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.62% | 2.04% | 2.22% | -5.04% | 1.50% | -12 bps | |
| Return on Equity | 16.69% | 20.94% | 21.73% | -37.08% | 9.11% | -758 bps | |
| Net Interest Margin | 4.09% | 4.22% | 4.23% | -11.63% | 3.99% | -10 bps | |
| Efficiency Ratio | 68.35% | 59.83% | 59.44% | 70.87% | 49.05% | -1,930 bps | |
| Non-Interest Burden | 2.48% | 2.06% | 1.99% | -5.34% | 1.51% | -97 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.75% | 9.02% | 9.31% | 26.76% | 15.41% | +866 bps | |
| Loan Growth (YoY) | 8.03% | 10.58% | 11.28% | 7.08% | 0.71% | -732 bps | |
| Deposit Growth (YoY) | 7.74% | 9.92% | 8.33% | 14.48% | 2.78% | -496 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.11% | 0.13% | 0.04% | -6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.08% | -0.02% | -0.07% | -0.05% | -6 bps | |
| Allowance / Loans | 1.24% | 1.21% | 1.21% | 0.03% | 0.14% | -110 bps | |
| Allowance Coverage of NPLs | 13.2x | 13.7x | 10.9x | 0.2x | 3.8x | -9.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.98% | 10.14% | 10.31% | 10.42% | 9.08% | -90 bps | |
| Total Risk-Based Capital | 13.53% | 13.76% | 13.84% | 12.35% | 12.94% | -59 bps | |
| Equity / Assets | 9.47% | 10.02% | 10.46% | 16.27% | 16.70% | +723 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.58% | 84.57% | 87.40% | 80.33% | 79.94% | -164 bps | |
| Liquid Assets / Assets | 6.34% | 3.41% | 3.61% | 11.90% | 7.60% | +127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |