Springfield, MO · Cert 35213
FDIC · 2 branches
Q3 2014
Market Position · Springfield, MO · 2014 SOD (annual) · 1.9% share · #16 of 42 inst. · $0.2B 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 0.99% | 1.06% | 1.07% | 1.05% | 0.92% | 0.96% | 0.89% | -18 bps | |
| Return on Equity | 11.83% | 11.04% | 11.91% | 12.07% | 11.85% | 10.59% | 11.06% | 10.26% | -182 bps | |
| Net Interest Margin | 4.21% | 4.24% | 4.20% | 4.23% | 4.09% | 4.22% | 4.11% | 4.11% | -12 bps | |
| Efficiency Ratio | 54.53% | 57.77% | 55.78% | 55.07% | 55.80% | 58.27% | 56.75% | 59.58% | +451 bps | |
| Non-Interest Burden | 2.17% | 2.33% | 2.22% | 2.22% | 2.18% | 2.38% | 2.24% | 2.33% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.80% | 12.33% | 11.68% | 13.80% | 12.88% | 13.95% | 16.25% | 11.68% | -212 bps | |
| Loan Growth (YoY) | 11.74% | 14.27% | 13.34% | 15.70% | 13.42% | 14.09% | 19.42% | 12.50% | -320 bps | |
| Deposit Growth (YoY) | 15.86% | 13.92% | 13.08% | 14.04% | 11.63% | 13.21% | 14.65% | 9.18% | -486 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 | 0.56% | 0.18% | 0.09% | 0.18% | 0.15% | 0.00% | 0.63% | 0.34% | +17 bps | |
| Allowance / Loans | 1.23% | 1.22% | 1.29% | 1.24% | 1.32% | 1.34% | 1.09% | 1.29% | +5 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.22% | 12.09% | 12.23% | 12.08% | 12.06% | 11.89% | 11.31% | 11.91% | -17 bps | |
| Equity / Assets | 8.88% | 8.99% | 8.81% | 8.86% | 8.69% | 8.76% | 8.49% | 8.89% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.76% | 103.56% | 100.86% | 104.95% | 100.35% | 104.36% | 105.06% | 108.14% | +319 bps | |
| Liquid Assets / Assets | 0.14% | 0.20% | 0.18% | 0.18% | 0.17% | 0.09% | 0.11% | 0.09% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |