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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.40% | 1.51% | 2.22% | 1.52% | +36 bps | |
| Return on Equity | 10.98% | 13.17% | 14.40% | 21.16% | 13.62% | +264 bps | |
| Net Interest Margin | 3.60% | 3.70% | 3.63% | 3.83% | 3.78% | +18 bps | |
| Efficiency Ratio | 59.66% | 58.68% | 53.06% | 53.37% | 53.24% | -641 bps | |
| Non-Interest Burden | 1.92% | 2.08% | 1.65% | 1.82% | 1.77% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.44% | 0.58% | 4.61% | 4.61% | 0.50% | -394 bps | |
| Loan Growth (YoY) | 6.80% | -0.15% | 0.46% | 4.95% | 4.76% | -204 bps | |
| Deposit Growth (YoY) | 7.80% | 3.30% | 4.76% | -1.42% | -2.32% | -1,013 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.18% | 0.11% | 0.06% | 0.08% | -11 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.07% | -0.05% | -0.03% | -0.04% | -2 bps | |
| Allowance / Loans | 1.09% | 1.15% | 1.15% | 1.10% | 1.10% | +2 bps | |
| Allowance Coverage of NPLs | 5.5x | 6.4x | 10.2x | 18.6x | 13.4x | +7.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.84% | 11.10% | 10.87% | 10.89% | 11.43% | +59 bps | |
| Total Risk-Based Capital | 12.63% | 13.18% | 12.95% | 12.98% | 13.41% | +78 bps | |
| Equity / Assets | 10.37% | 10.84% | 10.14% | 10.88% | 11.45% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.57% | 90.72% | 87.73% | 99.76% | 96.07% | +650 bps | |
| Liquid Assets / Assets | 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 |