Jefferson City, MO · Cert 28276
FDIC · 1 branch
Q2 2016
Market Position · Jefferson City, MO · 2016 SOD (annual) · 0.5% share · #20 of 23 inst. · $0.0B of $4.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.78% | -0.10% | -0.85% | -0.63% | -0.77% | -5.68% | -1.34% | -4.54% | -392 bps | |
| Return on Equity | -20.77% | -1.12% | -10.07% | -7.57% | -9.52% | -76.57% | -20.21% | -76.27% | -6,870 bps | |
| Net Interest Margin | 2.72% | 2.92% | 2.90% | 2.87% | 2.83% | 2.86% | 2.88% | 2.97% | +9 bps | |
| Efficiency Ratio | 199.26% | 118.14% | 128.37% | 127.14% | 129.21% | 141.75% | 143.32% | 450% | +32,286 bps | |
| Non-Interest Burden | 4.85% | 3.54% | 3.86% | 3.71% | 3.75% | 4.18% | 4.21% | 7.52% | +380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.84% | -5.72% | -4.87% | -3.51% | -3.11% | -2.33% | -3.66% | -4.39% | -89 bps | |
| Loan Growth (YoY) | -2.96% | -3.08% | -6.36% | -3.69% | -5.33% | -2.80% | 1.37% | 3.44% | +713 bps | |
| Deposit Growth (YoY) | -3.90% | -5.01% | -4.03% | -2.96% | -2.79% | -0.59% | -1.74% | -1.44% | +152 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% | -0.04% | 0.00% | 0.00% | 0.00% | 0.00% | -0.02% | -0.02% | -2 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.18% | 1.18% | 1.21% | 1.17% | 1.17% | 1.15% | -3 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 | n/a | n/a | 7.46% | 7.19% | 6.96% | 6.71% | 6.42% | 5.38% | -181 bps | |
| Total Risk-Based Capital | 15.35% | 14.95% | 13.92% | 13.70% | 13.41% | 12.58% | 12.10% | 10.57% | -313 bps | |
| Equity / Assets | 8.39% | 8.55% | 8.32% | 8.18% | 8.07% | 6.75% | 6.49% | 5.42% | -277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.17% | 81.55% | 78.20% | 78.17% | 77.10% | 79.74% | 80.68% | 82.04% | +387 bps | |
| Liquid Assets / Assets | 11.90% | 11.94% | 11.87% | 12.21% | 12.30% | 12.62% | 10.68% | 8.53% | -368 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |