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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | -0.74% | -1.01% | 0.04% | -0.88% | -198 bps | |
| Return on Equity | 9.46% | -6.28% | -8.53% | 0.36% | -7.68% | -1,715 bps | |
| Net Interest Margin | 4.50% | 4.23% | 4.72% | 4.47% | 4.45% | -5 bps | |
| Efficiency Ratio | 77.12% | 116.63% | 113.43% | 99.12% | 109.38% | +3,225 bps | |
| Non-Interest Burden | 3.02% | 4.87% | 5.20% | 4.38% | 4.82% | +179 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 | -0.01% | 1.73% | -0.27% | -0.02% | 0.93% | +94 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 |