Chillicothe, MO · Cert 4533
FDIC · 15 branches
Q4 2022
Market Position · Kansas City, MO-KS · 2022 SOD (annual) · 0.3% share · #37 of 120 inst. · $0.3B of $85.8B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.97% | 0.86% | 0.73% | 0.45% | 0.53% | 0.81% | 0.71% | -2 bps | |
| Return on Equity | 9.84% | 9.46% | 8.41% | 7.18% | 4.75% | 5.64% | 8.74% | 7.57% | +39 bps | |
| Net Interest Margin | 2.41% | 2.40% | 2.41% | 2.38% | 2.13% | 2.41% | 2.70% | 2.92% | +54 bps | |
| Efficiency Ratio | 73.82% | 80.93% | 82.25% | 85.16% | 81.74% | 79.68% | 71.49% | 77.73% | -743 bps | |
| Non-Interest Burden | 1.50% | 1.75% | 1.82% | 1.89% | 1.56% | 1.71% | 1.65% | 2.03% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.90% | 0.60% | 0.10% | -0.76% | -0.97% | -0.08% | -1.48% | -0.79% | -3 bps | |
| Loan Growth (YoY) | -10.76% | -16.60% | -15.81% | -13.54% | -14.79% | -12.18% | -10.51% | -0.64% | +1,290 bps | |
| Deposit Growth (YoY) | 9.36% | 0.80% | 0.54% | -0.33% | 0.39% | 1.58% | -1.01% | -0.62% | -28 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.91% | 1.75% | 1.68% | 1.47% | 1.48% | 1.43% | 0.20% | 0.17% | -129 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.03% | 0.06% | 0.00% | -0.03% | -0.02% | -0.02% | -7 bps | |
| Allowance / Loans | 1.66% | 1.49% | 1.43% | 1.33% | 1.35% | 1.36% | 1.40% | 1.29% | -4 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.8x | 0.9x | 0.9x | 1.0x | 7.0x | 7.4x | +6.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.98% | 9.09% | 9.37% | 9.46% | 9.19% | 9.73% | 9.79% | 9.95% | +49 bps | |
| Total Risk-Based Capital | 16.82% | 15.72% | 16.30% | 17.39% | 17.26% | 17.27% | 18.24% | 17.87% | +49 bps | |
| Equity / Assets | 10.28% | 9.83% | 9.82% | 10.13% | 9.00% | 8.95% | 9.08% | 9.44% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.13% | 61.97% | 58.49% | 55.89% | 51.88% | 53.58% | 52.88% | 55.88% | -1 bps | |
| Liquid Assets / Assets | 24.10% | 24.09% | 27.79% | 22.82% | 22.67% | 21.24% | 23.13% | 19.37% | -345 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |