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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.98% | 0.92% | 2.24% | 1.53% | +47 bps | |
| Return on Equity | 10.28% | 9.59% | 8.83% | 20.53% | 13.90% | +363 bps | |
| Net Interest Margin | 3.33% | 3.31% | 3.34% | 3.68% | 4.00% | +67 bps | |
| Efficiency Ratio | 64.68% | 66.00% | 66.97% | 63.00% | 57.60% | -708 bps | |
| Non-Interest Burden | 1.89% | 1.97% | 2.04% | 2.03% | 1.93% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.59% | -0.81% | 2.99% | 2.22% | 1.64% | -94 bps | |
| Loan Growth (YoY) | 13.35% | 15.78% | 12.65% | 17.24% | 25.75% | +1,239 bps | |
| Deposit Growth (YoY) | 3.51% | -0.85% | 2.94% | -2.15% | 0.82% | -269 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.09% | 0.09% | 0.00% | 0.08% | -4 bps | |
| Net Charge-Offs / Loans | 0.44% | 0.06% | -0.07% | -0.04% | -0.42% | -86 bps | |
| Allowance / Loans | 1.46% | 1.43% | 1.44% | 1.29% | 1.33% | -13 bps | |
| Allowance Coverage of NPLs | 13.0x | 15.4x | 16.8x | n/a | 17.3x | +4.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.70% | 10.60% | 10.80% | 10.93% | 10.90% | +20 bps | |
| Total Risk-Based Capital | 20.75% | 20.16% | 20.31% | 17.93% | 16.92% | -383 bps | |
| Equity / Assets | 10.29% | 10.23% | 10.69% | 11.09% | 10.89% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.35% | 57.82% | 60.85% | 71.36% | 72.77% | +1,442 bps | |
| Liquid Assets / Assets | 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 |