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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.38% | 0.43% | 0.44% | 0.62% | +29 bps | |
| Return on Equity | 2.76% | 3.19% | 3.57% | 3.53% | 4.91% | +215 bps | |
| Net Interest Margin | 2.58% | 2.69% | 2.75% | 2.83% | 2.78% | +20 bps | |
| Efficiency Ratio | 93.41% | 88.44% | 85.41% | 81.24% | 73.02% | -2,039 bps | |
| Non-Interest Burden | 2.38% | 2.32% | 2.27% | 2.20% | 1.89% | -48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.63% | -2.40% | -0.88% | -3.06% | -0.41% | +121 bps | |
| Loan Growth (YoY) | 0.96% | 3.35% | 8.05% | 9.71% | 7.34% | +637 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.10% | -0.07% | -0.01% | 0.01% | +16 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.01% | 11.51% | 11.75% | 11.65% | 11.71% | +70 bps | |
| Total Risk-Based Capital | 22.36% | 22.57% | 22.55% | 22.32% | 22.46% | +10 bps | |
| Equity / Assets | 11.91% | 12.38% | 12.50% | 12.38% | 12.68% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.27% | 67.16% | 71.20% | 68.95% | 69.81% | +554 bps | |
| Liquid Assets / Assets | 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 |