Overland Park, KS · Cert 32722
FDIC · 5 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 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.
Overland Park, KS · Cert 32722
FDIC · 5 branches
Q1 2019
Market Position · Kansas City, MO-KS · 2018 SOD (annual) · 1.0% share · #17 of 123 inst. · $0.6B of $57.5B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.84% | 0.60% | 1.16% | 1.28% | 1.36% | 1.58% | 1.52% | +36 bps | |
| Return on Equity | 7.71% | 7.89% | 5.64% | 10.98% | 12.06% | 12.88% | 14.92% | 13.62% | +264 bps | |
| Net Interest Margin | 3.46% | 3.48% | 3.45% | 3.60% | 3.63% | 3.61% | 3.59% | 3.78% | +18 bps | |
| Efficiency Ratio | 68.03% | 68.74% | 68.28% | 59.66% | 59.18% | 57.06% | 56.08% | 53.24% | -641 bps | |
| Non-Interest Burden | 2.16% | 2.26% | 2.24% | 1.92% | 1.99% | 1.87% | 1.82% | 1.77% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.45% | 0.61% | 2.08% | 4.44% | 0.58% | 4.61% | 4.61% | 0.50% | -394 bps | |
| Loan Growth (YoY) | 17.48% | 15.61% | 8.33% | 6.80% | -0.15% | 0.46% | 4.95% | 4.76% | -204 bps | |
| Deposit Growth (YoY) | 12.45% | 8.67% | 10.80% | 7.80% | 3.30% | 4.76% | -1.42% | -2.32% | -1,013 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.20% | 0.22% | 0.20% | 0.18% | 0.11% | 0.06% | 0.08% | -11 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.06% | -0.05% | -0.02% | -0.04% | -0.05% | -0.04% | -0.04% | -2 bps | |
| Allowance / Loans | 1.21% | 1.11% | 1.03% | 1.09% | 1.15% | 1.15% | 1.10% | 1.10% | +2 bps | |
| Allowance Coverage of NPLs | 14.8x | 5.7x | 4.7x | 5.5x | 6.4x | 10.2x | 18.6x | 13.4x | +7.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.57% | 10.58% | 10.56% | 10.84% | 11.10% | 10.87% | 10.89% | 11.43% | +59 bps | |
| Total Risk-Based Capital | 12.19% | 11.95% | 12.36% | 12.63% | 13.18% | 12.95% | 12.98% | 13.41% | +78 bps | |
| Equity / Assets | 10.68% | 10.76% | 10.75% | 10.37% | 10.84% | 10.14% | 10.88% | 11.45% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.85% | 91.49% | 93.71% | 89.57% | 90.72% | 87.73% | 99.76% | 96.07% | +650 bps | |
| Liquid Assets / Assets | 0.15% | 0.63% | 0.61% | 3.44% | 2.54% | 6.53% | 0.26% | 0.23% | -321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |