Mission, KS · Cert 23173
FDIC · 7 branches
Q4 2016
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.7% share · #27 of 135 inst. · $0.4B 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.88% | 1.07% | 1.09% | 0.72% | -12 bps | |
| Return on Equity | 4.81% | 4.99% | 6.02% | 6.12% | 3.91% | -90 bps | |
| Net Interest Margin | 2.95% | 2.98% | 3.25% | 3.08% | 1.96% | -98 bps | |
| Efficiency Ratio | 60.75% | 60.61% | 53.11% | 52.14% | 65.42% | +467 bps | |
| Non-Interest Burden | 1.71% | 1.75% | 1.73% | 1.53% | 1.06% | -65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.19% | 2.84% | 2.92% | 0.96% | -6.06% | -626 bps | |
| Loan Growth (YoY) | 2.39% | 5.89% | 6.73% | 10.75% | 5.44% | +305 bps | |
| Deposit Growth (YoY) | 1.83% | 6.01% | 4.10% | -0.46% | 3.40% | +157 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.16% | 0.17% | -0.05% | 0.07% | +8 bps | |
| Allowance / Loans | 2.00% | 2.05% | 1.96% | 1.88% | 1.89% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.24% | 16.70% | 16.38% | 16.50% | 16.89% | +65 bps | |
| Total Risk-Based Capital | 23.61% | 23.61% | 24.12% | 23.60% | 23.73% | +12 bps | |
| Equity / Assets | 17.50% | 17.65% | 17.83% | 17.69% | 19.04% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.69% | 69.40% | 72.14% | 75.53% | 73.10% | +141 bps | |
| Liquid Assets / Assets | 7.06% | 10.42% | 11.75% | 13.26% | 7.25% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |