Springfield, MO · Cert 34087
FDIC · 24 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Springfield, MO · Cert 34087
FDIC · 24 branches
Q1 2015
Market Position · Springfield, MO · 2014 SOD (annual) · 5.8% share · #5 of 42 inst. · $0.5B of $8.3B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.51% | 1.47% | 1.66% | 1.68% | 1.70% | 1.73% | 0.53% | -113 bps | |
| Return on Equity | 14.19% | 14.58% | 14.06% | 14.92% | 14.88% | 14.80% | 14.94% | 3.45% | -1,147 bps | |
| Net Interest Margin | 4.32% | 4.29% | 4.25% | 4.19% | 4.24% | 4.18% | 4.15% | 1.48% | -271 bps | |
| Efficiency Ratio | 56.42% | 55.11% | 54.79% | 55.60% | 53.47% | 52.30% | 51.87% | 47.15% | -845 bps | |
| Non-Interest Burden | 1.90% | 1.80% | 1.80% | 1.81% | 1.71% | 1.60% | 1.57% | 0.49% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.22% | 3.38% | 0.76% | -1.20% | -0.17% | 0.10% | 0.74% | 7.54% | +874 bps | |
| Loan Growth (YoY) | -4.63% | -6.44% | -6.77% | -2.87% | -3.27% | 0.57% | -0.42% | -2.57% | +31 bps | |
| Deposit Growth (YoY) | 3.43% | 3.57% | -1.93% | -2.60% | -1.64% | -1.35% | -0.72% | -1.11% | +149 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.35% | 0.30% | 0.19% | 0.18% | 0.27% | 0.25% | 0.01% | -18 bps | |
| Allowance / Loans | 1.45% | 1.42% | 1.45% | 1.39% | 1.39% | 1.33% | 1.30% | 0.03% | -136 bps | |
| 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 | n/a | n/a | n/a | 10.43% | n/a | n/a |
| Total Risk-Based Capital | 16.45% | 17.19% | 17.52% | 17.98% | 18.43% | 18.84% | 19.47% | 15.94% | -204 bps | |
| Equity / Assets | 10.45% | 10.74% | 10.89% | 11.39% | 11.68% | 11.94% | 12.14% | 18.44% | +705 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.57% | 89.30% | 88.99% | 91.56% | 91.03% | 91.04% | 89.27% | 90.21% | -135 bps | |
| Liquid Assets / Assets | 8.30% | 9.11% | 7.70% | 6.96% | 6.56% | 7.29% | 7.98% | 11.03% | +407 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |