Gladstone, MO · Cert 18815
FDIC · 10 branches
Q4 2016
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.6% share · #30 of 135 inst. · $0.3B 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 | 1.01% | 0.99% | 1.19% | 0.87% | 0.98% | 1.00% | 0.99% | 1.34% | +47 bps | |
| Return on Equity | 6.39% | 6.00% | 7.10% | 5.16% | 5.73% | 5.89% | 5.92% | 7.98% | +282 bps | |
| Net Interest Margin | 3.10% | 3.26% | 3.26% | 3.27% | 3.41% | 3.24% | 3.22% | 3.18% | -9 bps | |
| Efficiency Ratio | 54.29% | 54.91% | 52.46% | 55.97% | 56.81% | 55.39% | 56.12% | 52.49% | -348 bps | |
| Non-Interest Burden | 1.42% | 1.59% | 1.24% | 1.65% | 1.76% | 1.62% | 1.65% | 1.18% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.75% | -7.71% | -3.52% | -5.68% | -3.13% | 3.35% | 2.65% | 4.38% | +1,007 bps | |
| Loan Growth (YoY) | -11.57% | -6.71% | -2.04% | 6.66% | 6.66% | 5.09% | 6.59% | 2.80% | -386 bps | |
| Deposit Growth (YoY) | -3.68% | -5.49% | -3.40% | -2.41% | -1.31% | 4.77% | 3.87% | 1.68% | +410 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 | 0.43% | 0.29% | 0.85% | 1.00% | 0.00% | 0.00% | 0.49% | -0.04% | -103 bps | |
| Allowance / Loans | 2.03% | 2.05% | 1.92% | 1.81% | 1.86% | 1.98% | 1.90% | 1.96% | +15 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 | 15.41% | 15.96% | 16.34% | 16.23% | 17.00% | 16.39% | 16.39% | 16.76% | +53 bps | |
| Total Risk-Based Capital | 23.59% | 23.10% | 23.29% | 23.18% | 22.96% | 23.12% | 23.03% | 24.61% | +143 bps | |
| Equity / Assets | 16.27% | 16.65% | 16.80% | 16.97% | 17.36% | 16.73% | 16.87% | 16.64% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.02% | 76.54% | 77.27% | 77.17% | 80.00% | 76.77% | 79.29% | 78.01% | +84 bps | |
| Liquid Assets / Assets | 11.61% | 10.26% | 12.76% | 10.19% | 11.48% | 13.48% | 12.67% | 14.47% | +428 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |