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 (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 | 1.76% | 1.82% | 1.85% | 1.62% | 1.84% | 1.98% | 0.09% | 1.50% | -12 bps | |
| Return on Equity | 18.77% | 19.14% | 19.30% | 16.69% | 18.79% | 19.85% | 0.78% | 9.11% | -758 bps | |
| Net Interest Margin | 4.05% | 4.10% | 4.11% | 4.09% | 4.08% | 4.11% | 0.39% | 3.99% | -10 bps | |
| Efficiency Ratio | 65.91% | 65.31% | 64.50% | 68.35% | 63.90% | 62.33% | 66.61% | 49.05% | -1,930 bps | |
| Non-Interest Burden | 2.24% | 2.21% | 2.18% | 2.48% | 2.22% | 2.13% | 0.23% | 1.51% | -97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | -0.93% | 0.47% | 6.75% | 9.02% | 9.31% | 26.76% | 15.41% | +866 bps | |
| Loan Growth (YoY) | 6.41% | 4.21% | 5.50% | 8.03% | 10.58% | 11.28% | 7.08% | 0.71% | -732 bps | |
| Deposit Growth (YoY) | 3.61% | -0.24% | 4.85% | 7.74% | 9.92% | 8.33% | 14.48% | 2.78% | -496 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.05% | 0.14% | 0.09% | 0.09% | 0.11% | 0.13% | 0.04% | -6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.03% | 0.01% | 0.05% | 0.02% | 0.00% | -0.05% | -6 bps | |
| Allowance / Loans | 1.28% | 1.29% | 1.28% | 1.24% | 1.21% | 1.21% | 0.03% | 0.14% | -110 bps | |
| Allowance Coverage of NPLs | 120.5x | 25.8x | 9.5x | 13.2x | 13.7x | 10.9x | 0.2x | 3.8x | -9.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.92% | 10.11% | 10.24% | 9.98% | 10.14% | 10.31% | 10.42% | 9.08% | -90 bps | |
| Total Risk-Based Capital | 13.85% | 14.02% | 13.96% | 13.53% | 13.76% | 13.84% | 12.35% | 12.94% | -59 bps | |
| Equity / Assets | 9.51% | 9.76% | 9.96% | 9.47% | 10.02% | 10.46% | 16.27% | 16.70% | +723 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.07% | 85.09% | 85.88% | 81.58% | 84.57% | 87.40% | 80.33% | 79.94% | -164 bps | |
| Liquid Assets / Assets | 0.57% | 0.90% | 0.73% | 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 | n/a | n/a | n/a |