Belton, MO · Cert 1623
FDIC · 1 branch
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Belton, MO · Cert 1623
FDIC · 1 branch
Q2 2014
Market Position · Kansas City, MO-KS · 2014 SOD (annual) · 0.1% share · #99 of 136 inst. · $0.0B of $46.5B
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.38% | -1.81% | -1.95% | -1.68% | -1.95% | -1.16% | -1.14% | +81 bps | |
| Return on Equity | 0.49% | -5.92% | -28.99% | -32.36% | -28.85% | -34.86% | -25.16% | -25.88% | +648 bps | |
| Net Interest Margin | 2.59% | 2.43% | 2.16% | 2.11% | 2.13% | 2.13% | 2.26% | 2.30% | +19 bps | |
| Efficiency Ratio | 90.46% | 98.87% | 166.67% | 141.75% | 141.88% | 160.00% | 140.89% | 141.53% | -22 bps | |
| Non-Interest Burden | 1.93% | 2.37% | 3.98% | 3.37% | 3.36% | 3.72% | 3.41% | 3.46% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.97% | 1.22% | -3.94% | 0.34% | 0.48% | -5.12% | -3.83% | 0.08% | -26 bps | |
| Loan Growth (YoY) | -15.66% | -11.48% | -9.60% | -12.25% | -7.31% | -7.22% | -7.81% | -3.75% | +850 bps | |
| Deposit Growth (YoY) | -6.94% | 1.93% | -3.51% | 0.77% | 2.18% | -3.54% | -2.18% | 1.68% | +91 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 | 1.52% | 1.00% | 0.08% | 2.17% | 1.47% | 1.13% | 0.00% | -0.08% | -225 bps | |
| Allowance / Loans | 2.23% | 2.49% | 2.44% | 2.36% | 2.34% | 2.43% | 2.42% | 2.48% | +12 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.14% | 10.58% | 10.93% | 10.43% | 9.91% | 8.49% | 8.15% | 7.58% | -286 bps | |
| Equity / Assets | 6.98% | 6.28% | 6.21% | 5.56% | 5.25% | 4.61% | 4.58% | 4.07% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.90% | 44.87% | 48.32% | 44.68% | 44.36% | 43.16% | 45.54% | 42.30% | -238 bps | |
| Liquid Assets / Assets | 23.37% | 22.82% | 20.27% | 22.09% | 25.57% | 25.24% | 25.43% | 28.11% | +602 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |