Kansas City, KS · Cert 29953
FDIC · 5 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Kansas City, KS · Cert 29953
FDIC · 5 branches
Q1 2016
Market Position · Kansas City, MO-KS · 2015 SOD (annual) · 0.3% share · #49 of 138 inst. · $0.1B of $49.0B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62%1 | 0.50%1 | 0.50%1 | 0.52% | 0.52% | 0.70%1 | 0.53%1 | 0.35%1 | -17 bps | |
| Return on Equity | 2.86% | 2.29% | 2.24% | 2.19% | 2.15% | 2.90% | 2.14% | 1.34% | -86 bps | |
| Net Interest Margin | 1.71% | 1.83% | 1.89% | 1.90% | 1.90% | 1.73% | 1.81% | 0.98% | -92 bps | |
| Efficiency Ratio | 89.73% | 85.88% | 79.77% | 69.01% | 70.05% | 74.87% | 81.92% | 184.66% | +11,565 bps | |
| Non-Interest Burden | 1.54% | 1.57% | 1.51% | 1.32% | 1.33% | 1.30% | 1.48% | 1.83% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.61% | -4.77% | -3.30% | -2.91% | -5.92% | -5.89% | -8.73% | -9.90% | -699 bps | |
| Loan Growth (YoY) | -5.19% | -5.55% | -3.81% | -3.96% | -3.68% | -4.92% | -5.01% | -5.82% | -186 bps | |
| Deposit Growth (YoY) | -5.94% | -6.23% | -7.00% | -6.87% | -7.01% | -7.72% | -5.41% | -6.03% | +84 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% | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.60% | 0.61% | 0.61% | 0.62% | 0.62% | 0.64% | 0.64% | 0.66% | +4 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 | n/a | 23.04% | 23.84% | 22.76% | 25.45% | 25.73% | +269 bps | |
| Total Risk-Based Capital | 96.23% | 98.07% | 99.21% | 100.32% | 102.76% | 110.77% | 115.25% | 112.15% | +1,183 bps | |
| Equity / Assets | 22.24% | 22.61% | 23.63% | 23.94% | 24.46% | 25.12% | 25.83% | 26.45% | +251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.42% | 32.65% | 33.39% | 32.99% | 33.58% | 33.63% | 33.53% | 33.06% | +7 bps | |
| Liquid Assets / Assets | 3.11% | 2.74% | 2.47% | 3.72% | 5.52% | 16.81% | 14.75% | 39.89% | +3,617 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |