Hayti, MO · Cert 1627
FDIC · 2 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Hayti, MO · Cert 1627
FDIC · 2 branches
Q2 2019
Market Position · Kansas City, MO-KS · 2019 SOD (annual) · 0.1% share · #92 of 123 inst. · $0.0B 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.62% | 0.42% | 0.76% | 0.26% | -0.05% | 0.04% | -0.42% | -119 bps | |
| Return on Equity | 5.12% | 4.93% | 3.56% | 6.53% | 2.23% | -0.44% | 0.36% | -3.65% | -1,018 bps | |
| Net Interest Margin | 4.51% | 4.43% | 4.67% | 4.52% | 4.46% | 4.55% | 4.47% | 4.33% | -18 bps | |
| Efficiency Ratio | 91.35% | 90.77% | 91.09% | 83.30% | 92.50% | 96.76% | 99.12% | 104.15% | +2,085 bps | |
| Non-Interest Burden | 3.97% | 3.89% | 4.15% | 3.53% | 4.01% | 4.34% | 4.38% | 4.47% | +95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.84% | 17.07% | 17.95% | 15.19% | 4.99% | -1.24% | -5.91% | 3.38% | -1,181 bps | |
| Loan Growth (YoY) | 8.95% | 25.76% | 24.39% | 14.05% | 10.78% | -6.58% | -4.24% | -5.53% | -1,959 bps | |
| Deposit Growth (YoY) | 10.18% | 18.85% | 19.71% | 16.21% | 5.20% | -1.38% | -6.59% | 4.50% | -1,172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.80% | 0.42% | 0.43% | 3.45% | 3.51% | 3.24% | 0.69% | +26 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.08% | -0.04% | -0.02% | 0.56% | 0.38% | -0.02% | 0.45% | +48 bps | |
| Allowance / Loans | 0.88% | 0.78% | 0.79% | 0.91% | 0.49% | 0.72% | 0.70% | 0.50% | -41 bps | |
| Allowance Coverage of NPLs | 6.2x | 1.0x | 1.9x | 2.1x | 0.1x | 0.2x | 0.2x | 0.7x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.24% | 11.14% | 10.23% | 10.17% | 10.24% | 10.38% | 10.92% | 10.18% | +1 bps | |
| Total Risk-Based Capital | 14.91% | 14.04% | 13.82% | 14.18% | 12.95% | 14.50% | 14.44% | 14.60% | +42 bps | |
| Equity / Assets | 12.04% | 11.83% | 11.69% | 11.64% | 11.79% | 11.93% | 12.27% | 10.65% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.19% | 99.04% | 98.37% | 93.04% | 96.02% | 93.82% | 100.85% | 84.11% | -893 bps | |
| Liquid Assets / Assets | 13.96% | 7.14% | 7.71% | 9.64% | 7.93% | 10.52% | 5.44% | 18.61% | +896 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |