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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.26% | -0.05% | 0.04% | -0.42% | -119 bps | |
| Return on Equity | 6.53% | 2.23% | -0.44% | 0.36% | -3.65% | -1,018 bps | |
| Net Interest Margin | 4.52% | 4.46% | 4.55% | 4.47% | 4.33% | -18 bps | |
| Efficiency Ratio | 83.30% | 92.50% | 96.76% | 99.12% | 104.15% | +2,085 bps | |
| Non-Interest Burden | 3.53% | 4.01% | 4.34% | 4.38% | 4.47% | +95 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.19% | 4.99% | -1.24% | -5.91% | 3.38% | -1,181 bps | |
| Loan Growth (YoY) | 14.05% | 10.78% | -6.58% | -4.24% | -5.53% | -1,959 bps | |
| Deposit Growth (YoY) | 16.21% | 5.20% | -1.38% | -6.59% | 4.50% | -1,172 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 3.45% | 3.51% | 3.24% | 0.69% | +26 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.56% | 0.38% | -0.02% | 0.45% | +48 bps | |
| Allowance / Loans | 0.91% | 0.49% | 0.72% | 0.70% | 0.50% | -41 bps | |
| Allowance Coverage of NPLs | 2.1x | 0.1x | 0.2x | 0.2x | 0.7x | -1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.17% | 10.24% | 10.38% | 10.92% | 10.18% | +1 bps | |
| Total Risk-Based Capital | 14.18% | 12.95% | 14.50% | 14.44% | 14.60% | +42 bps | |
| Equity / Assets | 11.64% | 11.79% | 11.93% | 12.27% | 10.65% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.04% | 96.02% | 93.82% | 100.85% | 84.11% | -893 bps | |
| Liquid Assets / Assets | 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 |