Lexington, MO · Cert 30691
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 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.
Lexington, MO · Cert 30691
FDIC · 2 branches
Q2 2016
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.2% share · #61 of 135 inst. · $0.1B 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.39% | 0.38% | 0.33% | 0.38% | 0.43% | 0.44% | 0.62% | +29 bps | |
| Return on Equity | 3.31% | 3.28% | 3.21% | 2.76% | 3.19% | 3.57% | 3.53% | 4.91% | +215 bps | |
| Net Interest Margin | 2.68% | 2.70% | 2.57% | 2.58% | 2.69% | 2.75% | 2.83% | 2.78% | +20 bps | |
| Efficiency Ratio | 88.22% | 86.87% | 99.75% | 93.41% | 88.44% | 85.41% | 81.24% | 73.02% | -2,039 bps | |
| Non-Interest Burden | 2.34% | 2.31% | 2.54% | 2.38% | 2.32% | 2.27% | 2.20% | 1.89% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.65% | -5.09% | -3.10% | -1.63% | -2.40% | -0.88% | -3.06% | -0.41% | +121 bps | |
| Loan Growth (YoY) | -6.48% | -4.93% | -2.93% | 0.96% | 3.35% | 8.05% | 9.71% | 7.34% | +637 bps | |
| Deposit Growth (YoY) | -6.63% | -5.53% | -3.29% | -1.25% | -2.34% | -2.12% | -3.79% | -1.18% | +7 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 | 0.06% | 0.05% | -0.29% | -0.15% | -0.10% | -0.07% | -0.01% | 0.01% | +16 bps | |
| Allowance / Loans | 2.35% | 2.36% | 2.24% | 2.19% | 2.15% | 2.06% | 2.05% | 2.03% | -16 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 | 11.03% | 11.01% | 11.51% | 11.75% | 11.65% | 11.71% | +70 bps | |
| Total Risk-Based Capital | 22.72% | 21.78% | 22.98% | 22.36% | 22.57% | 22.55% | 22.32% | 22.46% | +10 bps | |
| Equity / Assets | 12.41% | 12.08% | 11.69% | 11.91% | 12.38% | 12.50% | 12.38% | 12.68% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.46% | 64.50% | 60.47% | 64.27% | 67.16% | 71.20% | 68.95% | 69.81% | +554 bps | |
| Liquid Assets / Assets | 10.36% | 10.53% | 11.22% | 10.79% | 11.94% | 12.31% | 12.26% | 12.59% | +180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |