Columbia, MO · Cert 4537
FDIC · 38 branches
Q4 2019
Market Position · Columbia, MO · 2019 SOD (annual) · 20.5% share · #2 of 39 inst. · $1.1B of $5.2B
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 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 1.02% | 1.07% | 1.13% | 0.93% | 1.16% | 1.36% | -3.33% | -447 bps | |
| Return on Equity | 5.78% | 12.10% | 12.81% | 13.48% | 11.00% | 13.61% | 15.34% | -30.56% | -4,404 bps | |
| Net Interest Margin | 3.16% | 3.21% | 3.10% | 2.65% | 2.96% | 2.91% | 2.92% | -6.12% | -877 bps | |
| Efficiency Ratio | 69.64% | 70.62% | 69.44% | 60.10% | 70.90% | 66.92% | 63.92% | 98.00% | +3,790 bps | |
| Non-Interest Burden | 1.85% | 1.92% | 1.79% | 1.14% | 1.79% | 1.52% | 1.38% | -2.07% | -321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.03% | 10.26% | 11.99% | 11.95% | 10.93% | 10.12% | 8.84% | 13.55% | +160 bps | |
| Loan Growth (YoY) | 18.38% | 19.08% | 20.25% | 15.84% | 12.30% | 9.82% | 5.66% | 0.65% | -1,519 bps | |
| Deposit Growth (YoY) | 9.47% | 12.43% | 15.68% | 13.37% | 11.05% | 9.76% | 8.06% | 8.61% | -476 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.62% | 0.58% | 0.50% | 0.41% | 0.40% | 0.41% | 0.46% | -3 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.09% | 0.11% | 0.14% | 0.08% | 0.06% | 0.08% | -0.16% | -30 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.25% | 1.21% | 1.19% | 1.15% | 1.14% | 0.04% | -116 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.0x | 2.1x | 2.4x | 2.9x | 2.9x | 2.8x | 0.1x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.60% | 8.55% | 8.54% | 8.50% | 8.46% | 8.44% | 8.61% | 8.84% | +34 bps | |
| Total Risk-Based Capital | 13.72% | 13.58% | 13.48% | 13.28% | 13.12% | 13.22% | 13.71% | 13.89% | +61 bps | |
| Equity / Assets | 8.48% | 8.36% | 8.40% | 8.40% | 8.43% | 8.66% | 9.02% | 12.65% | +426 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.14% | 69.66% | 70.95% | 69.78% | 68.90% | 69.70% | 69.38% | 64.66% | -511 bps | |
| Liquid Assets / Assets | 9.31% | 3.71% | 3.88% | 5.93% | 6.11% | 5.05% | 5.23% | 7.65% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |