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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.12% | -1.15% | -2.75% | -1.16% | -1.15% | +97 bps | |
| Return on Equity | -35.96% | -21.27% | -55.71% | -25.16% | -26.65% | +932 bps | |
| Net Interest Margin | 2.02% | 2.22% | 2.17% | 2.26% | 2.33% | +31 bps | |
| Efficiency Ratio | 120.54% | 142.17% | 241% | 140.89% | 142.17% | +2,163 bps | |
| Non-Interest Burden | 2.69% | 3.38% | 4.90% | 3.41% | 3.51% | +83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.34% | 0.48% | -5.12% | -3.83% | 0.08% | -26 bps | |
| Loan Growth (YoY) | -12.25% | -7.31% | -7.22% | -7.81% | -3.75% | +850 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 4.26% | 0.08% | -0.04% | 0.00% | -0.15% | -441 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.43% | 9.91% | 8.49% | 8.15% | 7.58% | -286 bps | |
| Equity / Assets | 5.56% | 5.25% | 4.61% | 4.58% | 4.07% | -149 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.68% | 44.36% | 43.16% | 45.54% | 42.30% | -238 bps | |
| Liquid Assets / Assets | 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 |