Carthage, MO · Cert 34727
FDIC · 7 branches
Q1 2018
Market Position · Joplin, MO · 2017 SOD (annual) · 5.3% share · #7 of 14 inst. · $0.1B of $2.8B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.21% | -0.26% | 0.00% | 0.07% | 0.12% | 0.12% | 0.20% | +21 bps | |
| Return on Equity | -1.33% | -2.09% | -2.60% | -0.02% | 0.77% | 1.24% | 1.28% | 2.23% | +226 bps | |
| Net Interest Margin | 3.21% | 3.18% | 3.12% | 3.12% | 3.30% | 3.26% | 3.34% | 3.53% | +41 bps | |
| Efficiency Ratio | 103.05% | 104.93% | 106.16% | 100.06% | 98.21% | 97.18% | 97.12% | 95.15% | -491 bps | |
| Non-Interest Burden | 3.34% | 3.39% | 3.38% | 3.12% | 3.22% | 3.15% | 3.22% | 3.32% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.73% | 9.10% | 6.66% | 7.65% | 7.71% | 8.16% | 5.14% | 5.58% | -207 bps | |
| Loan Growth (YoY) | 11.44% | 12.14% | 11.95% | 12.73% | 12.54% | 13.41% | 8.58% | 5.37% | -736 bps | |
| Deposit Growth (YoY) | 9.66% | 14.57% | 15.46% | 11.72% | 9.27% | 12.52% | 5.25% | 8.28% | -344 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.24% | 1.88% | 1.80% | 1.82% | 1.80% | +155 bps | |
| Net Charge-Offs / Loans | 0.36% | 0.11% | 0.06% | 0.08% | -0.12% | -0.03% | 0.00% | -0.05% | -12 bps | |
| Allowance / Loans | 1.67% | 1.74% | 1.67% | 1.61% | 1.65% | 1.57% | 1.54% | 1.56% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 6.7x | 0.9x | 0.9x | 0.8x | 0.9x | -5.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.01% | 9.71% | 9.44% | 9.49% | 9.20% | 9.26% | 9.37% | -7 bps | |
| Total Risk-Based Capital | 14.00% | 13.52% | 12.95% | 12.86% | 12.65% | 12.39% | 12.25% | 12.09% | -76 bps | |
| Equity / Assets | 10.09% | 9.80% | 9.49% | 9.43% | 9.18% | 9.00% | 9.16% | 9.06% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.92% | 94.00% | 96.70% | 95.99% | 96.73% | 94.74% | 99.75% | 93.41% | -258 bps | |
| Liquid Assets / Assets | 2.89% | 2.10% | 1.89% | 1.20% | 2.64% | 3.22% | 0.98% | 2.79% | +159 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |