Liberty, MO · Cert 30817
FDIC · 13 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Liberty, MO · Cert 30817
FDIC · 13 branches
Q3 2019
Market Position · Kansas City, MO-KS · 2019 SOD (annual) · 0.8% share · #26 of 123 inst. · $0.5B of $61.3B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.46% | 1.65% | 1.61% | 1.68% | 1.55% | 1.61% | 1.47% | -14 bps | |
| Return on Equity | 8.70% | 13.41% | 14.70% | 14.13% | 14.46% | 12.51% | 12.95% | 10.38% | -375 bps | |
| Net Interest Margin | 3.93% | 4.00% | 3.82% | 3.91% | 4.02% | 4.25% | 4.21% | 4.42% | +50 bps | |
| Efficiency Ratio | 62.43% | 59.15% | 55.79% | 56.37% | 55.40% | 56.57% | 55.59% | 56.39% | +2 bps | |
| Non-Interest Burden | 2.12% | 2.05% | 1.86% | 1.95% | 1.96% | 2.14% | 2.05% | 2.05% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.39% | 5.23% | 24.41% | 23.99% | 17.89% | 15.01% | -4.21% | 3.70% | -2,029 bps | |
| Loan Growth (YoY) | 5.08% | 10.66% | 20.93% | 23.63% | 18.05% | 12.11% | -6.13% | -14.80% | -3,842 bps | |
| Deposit Growth (YoY) | -2.37% | -1.24% | 28.43% | 26.38% | 26.16% | 23.05% | -4.53% | -2.45% | -2,883 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.02% | -0.02% | -0.02% | -0.06% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.35% | 1.33% | 1.15% | 1.13% | 1.16% | 1.20% | 1.23% | 0.07% | -106 bps | |
| Allowance Coverage of NPLs | 164.0x | 1702.0x | n/a | n/a | n/a | n/a | 46.8x | 2.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.41% | 10.72% | 11.09% | 11.04% | 11.20% | 11.55% | 11.55% | 11.16% | +12 bps | |
| Total Risk-Based Capital | 11.89% | 12.26% | 13.25% | 13.02% | 13.29% | 13.72% | 14.26% | 13.57% | +54 bps | |
| Equity / Assets | 10.81% | 10.92% | 11.81% | 11.82% | 12.42% | 12.42% | 12.49% | 18.81% | +699 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.43% | 101.20% | 91.11% | 95.04% | 95.84% | 92.20% | 89.58% | 83.02% | -1,203 bps | |
| Liquid Assets / Assets | 4.04% | 6.29% | 6.30% | 5.88% | 5.30% | 7.97% | 10.32% | 13.69% | +781 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |