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 (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 | 1.08% | 1.15% | 1.14% | 1.07% | 0.88% | 0.97% | 1.01% | 0.95% | -12 bps | |
| Return on Equity | 6.25% | 6.60% | 6.56% | 6.13% | 4.99% | 5.52% | 5.72% | 5.28% | -85 bps | |
| Net Interest Margin | 3.03% | 3.25% | 3.21% | 3.12% | 2.98% | 3.08% | 3.06% | 2.82% | -30 bps | |
| Efficiency Ratio | 56.60% | 55.68% | 56.04% | 57.15% | 60.61% | 56.75% | 55.17% | 57.36% | +22 bps | |
| Non-Interest Burden | 1.59% | 1.75% | 1.69% | 1.68% | 1.75% | 1.72% | 1.65% | 1.51% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.73% | -3.18% | 0.25% | 0.19% | 2.84% | 2.92% | 0.96% | -6.06% | -626 bps | |
| Loan Growth (YoY) | -3.36% | -1.12% | -2.24% | 2.39% | 5.89% | 6.73% | 10.75% | 5.44% | +305 bps | |
| Deposit Growth (YoY) | -5.17% | -4.94% | 0.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.03% | -0.03% | -0.16% | 0.01% | -0.01% | 0.01% | +3 bps | |
| Allowance / Loans | 2.11% | 2.08% | 2.07% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.15% | 16.25% | 16.44% | 16.24% | 16.70% | 16.38% | 16.50% | 16.89% | +65 bps | |
| Total Risk-Based Capital | 25.63% | 25.41% | 24.08% | 23.61% | 23.61% | 24.12% | 23.60% | 23.73% | +12 bps | |
| Equity / Assets | 17.60% | 17.44% | 17.35% | 17.50% | 17.65% | 17.83% | 17.69% | 19.04% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.49% | 70.36% | 67.88% | 71.69% | 69.40% | 72.14% | 75.53% | 73.10% | +141 bps | |
| Liquid Assets / Assets | 6.37% | 7.36% | 10.37% | 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 | n/a | n/a | n/a |