Overland Park, KS · Cert 19631
FDIC · 10 branches
Q4 2016
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 1.3% share · #14 of 135 inst. · $0.7B of $52.7B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.58% | 0.63% | 0.65% | 0.89% | 0.92% | 0.89% | 0.91% | +26 bps | |
| Return on Equity | 4.25% | 4.29% | 4.64% | 4.82% | 6.55% | 6.69% | 6.38% | 6.53% | +171 bps | |
| Net Interest Margin | 2.47% | 2.48% | 2.50% | 2.46% | 2.55% | 2.53% | 2.51% | 2.49% | +2 bps | |
| Efficiency Ratio | 68.70% | 68.93% | 66.88% | 65.06% | 57.27% | 54.88% | 55.85% | 56.67% | -839 bps | |
| Non-Interest Burden | 1.70% | 1.72% | 1.65% | 1.58% | 1.33% | 1.23% | 1.24% | 1.21% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | -0.64% | 1.91% | 4.53% | 2.58% | 2.89% | 0.26% | -2.60% | -714 bps | |
| Loan Growth (YoY) | -10.82% | -7.83% | -9.08% | -6.97% | 0.32% | 1.57% | 6.74% | 8.75% | +1,571 bps | |
| Deposit Growth (YoY) | -0.52% | -1.84% | 0.41% | 2.32% | -1.86% | -1.96% | -1.73% | -1.41% | -373 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 | 0.02% | -0.02% | -0.07% | -0.06% | -0.01% | -0.01% | -0.07% | 0.09% | +15 bps | |
| Allowance / Loans | 2.20% | 2.16% | 2.26% | 2.29% | 2.25% | 2.18% | 2.17% | 2.02% | -27 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 | 13.61% | 13.47% | 13.61% | 13.39% | 13.64% | 13.57% | 13.80% | 14.14% | +75 bps | |
| Total Risk-Based Capital | 27.38% | 26.91% | 26.39% | 26.58% | 27.07% | 26.95% | 26.95% | 26.16% | -42 bps | |
| Equity / Assets | 13.73% | 13.51% | 13.73% | 13.27% | 13.92% | 14.22% | 14.34% | 14.00% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.10% | 40.52% | 39.28% | 38.62% | 39.97% | 41.98% | 42.67% | 42.59% | +398 bps | |
| Liquid Assets / Assets | 8.67% | 6.42% | 8.70% | 9.66% | 8.76% | 9.70% | 9.25% | 3.94% | -572 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |