Saint Joseph, MO · Cert 22185
FDIC · 4 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Saint Joseph, MO · Cert 22185
FDIC · 4 branches
Q3 2019
Market Position · St. Joseph, MO-KS · 2019 SOD (annual) · 2.4% share · #11 of 22 inst. · $0.1B of $2.2B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.76% | 0.65% | 0.79% | 0.83% | 0.92% | 1.57% | 1.56% | +77 bps | |
| Return on Equity | 5.23% | 7.37% | 6.26% | 7.59% | 8.07% | 8.83% | 14.74% | 14.52% | +693 bps | |
| Net Interest Margin | 2.83% | 3.03% | 3.05% | 3.15% | 3.15% | 3.34% | 3.48% | 3.69% | +55 bps | |
| Efficiency Ratio | 73.44% | 70.56% | 75.05% | 71.39% | 69.97% | 66.97% | 64.88% | 62.29% | -910 bps | |
| Non-Interest Burden | 1.94% | 1.95% | 2.15% | 2.06% | 2.01% | 2.04% | 2.02% | 2.01% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.24% | -1.06% | 2.92% | 2.59% | -0.81% | 2.99% | 2.22% | 1.64% | -94 bps | |
| Loan Growth (YoY) | -0.01% | 0.87% | 9.43% | 13.35% | 15.78% | 12.65% | 17.24% | 25.75% | +1,239 bps | |
| Deposit Growth (YoY) | 1.49% | -0.83% | 3.72% | 3.51% | -0.85% | 2.94% | -2.15% | 0.82% | -269 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.44% | 1.37% | 0.24% | 0.11% | 0.09% | 0.09% | 0.00% | 0.08% | -4 bps | |
| Net Charge-Offs / Loans | 0.56% | 0.78% | 0.41% | 0.42% | 0.33% | -0.07% | -0.05% | -0.17% | -60 bps | |
| Allowance / Loans | 1.97% | 1.72% | 1.55% | 1.46% | 1.43% | 1.44% | 1.29% | 1.33% | -13 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.3x | 6.5x | 13.0x | 15.4x | 16.8x | n/a | 17.3x | +4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 10.53% | 10.62% | 10.70% | 10.60% | 10.80% | 10.93% | 10.90% | +20 bps | |
| Total Risk-Based Capital | 21.73% | 22.58% | 21.16% | 20.75% | 20.16% | 20.31% | 17.93% | 16.92% | -383 bps | |
| Equity / Assets | 10.05% | 10.71% | 10.38% | 10.29% | 10.23% | 10.69% | 11.09% | 10.89% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.52% | 55.60% | 59.56% | 58.35% | 57.82% | 60.85% | 71.36% | 72.77% | +1,442 bps | |
| Liquid Assets / Assets | 4.47% | 2.43% | 1.02% | 2.69% | 6.03% | 3.23% | 3.00% | 2.93% | +23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |