Kansas City, KS · Cert 18072
FDIC · 3 branches
Q4 2016
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.2% share · #63 of 135 inst. · $0.1B of $52.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.21% | 1.48% | 1.07% | 1.04% | 1.03% | 1.04% | 1.62% | +54 bps | |
| Return on Equity | 4.72% | 4.85% | 5.85% | 4.17% | 4.03% | 3.91% | 3.86% | 5.96% | +178 bps | |
| Net Interest Margin | 3.83% | 4.02% | 4.13% | 4.06% | 3.96% | 3.79% | 3.79% | 3.64% | -41 bps | |
| Efficiency Ratio | 65.35% | 61.35% | 57.57% | 59.98% | 65.18% | 69.08% | 67.17% | 54.95% | -502 bps | |
| Non-Interest Burden | 2.32% | 2.32% | 1.99% | 2.13% | 2.41% | 2.52% | 2.37% | 1.36% | -77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.32% | 2.81% | 0.77% | 1.17% | -0.91% | -5.47% | -2.43% | -2.93% | -410 bps | |
| Loan Growth (YoY) | -2.22% | 10.41% | 13.09% | 11.86% | 7.55% | -5.08% | -5.48% | -9.88% | -2,174 bps | |
| Deposit Growth (YoY) | -1.44% | 0.05% | -0.01% | 5.63% | 2.69% | -0.86% | 0.92% | -5.02% | -1,065 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 | -0.01% | -0.02% | 0.00% | 0.00% | -0.01% | 0.03% | 0.00% | -0.04% | -3 bps | |
| Allowance / Loans | 1.14% | 1.06% | 1.10% | 1.26% | 1.28% | 1.33% | 1.32% | 1.45% | +19 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 | 25.18% | 24.87% | 25.32% | 25.52% | 26.12% | 26.21% | 26.71% | 27.17% | +165 bps | |
| Total Risk-Based Capital | 33.47% | 30.98% | 31.06% | 31.47% | 31.40% | 32.71% | 32.41% | 36.28% | +481 bps | |
| Equity / Assets | 25.13% | 24.83% | 25.81% | 25.65% | 26.05% | 26.92% | 26.98% | 27.35% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.62% | 89.26% | 91.52% | 83.25% | 85.48% | 85.46% | 85.72% | 78.99% | -426 bps | |
| Liquid Assets / Assets | 32.72% | 31.90% | 31.35% | 29.52% | 26.04% | 27.45% | 24.81% | 36.02% | +649 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |