Neosho, MO · Cert 30866
FDIC · 1 branch
Q4 2015
Market Position · St. Louis, MO-IL · 2015 SOD (annual) · 0.3% share · #41 of 135 inst. · $0.3B of $89.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 2.19% | 1.04% | 1.09% | -12.45% | -6.56% | -3.82% | 2.28% | +119 bps | |
| Return on Equity | 8.65% | 20.33% | 10.98% | 12.20% | -147.27% | -75.97% | -22.24% | 3.32% | -888 bps | |
| Net Interest Margin | 2.96% | 3.67% | 2.89% | 2.37% | 2.38% | 3.21% | 1.50% | 1.66% | -71 bps | |
| Efficiency Ratio | 60.02% | 41.16% | 51.70% | 46.24% | n/a | n/a | 202% | -464% | -51,034 bps | |
| Non-Interest Burden | 1.56% | 1.26% | 1.37% | 0.94% | 15.31% | 9.99% | 3.55% | -0.98% | -192 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 137.77% | 136.95% | 160.14% | 89.23% | 26.03% | -36.41% | -91.77% | -97.21% | -18,644 bps | |
| Loan Growth (YoY) | 85.46% | 91.63% | 94.51% | 68.45% | 46.44% | -77.31% | -88.40% | -100.00% | -16,845 bps | |
| Deposit Growth (YoY) | 191.87% | 175.26% | 191.95% | 99.74% | 31.97% | -36.82% | -99.23% | -100.00% | -19,974 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.14% | 0.13% | 0.13% | 0.22% | 0.13% | 0.00% | 0.00% | 2.60% | +238 bps | |
| Allowance / Loans | 0.54% | 0.47% | 0.64% | 0.69% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | n/a | 6.16% | 7.21% | 16.11% | 57.32% | n/a | |
| Total Risk-Based Capital | 18.30% | 15.97% | 16.46% | 15.88% | 13.75% | 65.63% | 185.35% | 3873% | +385,714 bps | |
| Equity / Assets | 11.32% | 10.28% | 8.77% | 9.09% | 7.67% | 10.25% | 58.89% | 96.27% | +8,718 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.67% | 55.32% | 47.77% | 50.02% | 60.66% | 19.87% | 716% | n/a | n/a | |
| Liquid Assets / Assets | 10.88% | 7.19% | 20.67% | 16.47% | 28.81% | 71.91% | 36.13% | 92.85% | +7,638 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |