Beattie, KS · Cert 4626
FDIC · 2 branches
Q1 2020
Market Position · Kansas City, MO-KS · 2019 SOD (annual) · 0.2% share · #56 of 123 inst. · $0.1B of $61.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.90% | 1.14% | -0.61% | 2.27% | +157 bps | |
| Return on Equity | 7.28% | 9.04% | 10.91% | -5.42% | 14.61% | +733 bps | |
| Net Interest Margin | 3.43% | 3.49% | 3.59% | 3.84% | 5.11% | +169 bps | |
| Efficiency Ratio | 71.19% | 71.93% | 60.59% | 118.36% | 54.91% | -1,628 bps | |
| Non-Interest Burden | 2.24% | 2.33% | 1.52% | 4.77% | 2.38% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.64% | -0.59% | -2.09% | -16.40% | -14.14% | -1,250 bps | |
| Loan Growth (YoY) | -3.21% | -1.78% | -5.30% | -6.09% | -15.92% | -1,271 bps | |
| Deposit Growth (YoY) | -0.74% | -6.83% | -2.50% | -12.82% | -19.12% | -1,838 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.38% | 2.31% | 0.00% | 0.45% | 0.51% | -188 bps | |
| Net Charge-Offs / Loans | 0.98% | -0.02% | 1.13% | 4.20% | -0.02% | -101 bps | |
| Allowance / Loans | 1.83% | 1.80% | 1.85% | 1.50% | 0.01% | -183 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | n/a | 3.3x | 0.0x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.77% | 10.02% | 10.08% | 11.10% | 9.74% | -3 bps | |
| Total Risk-Based Capital | 13.65% | 13.53% | 14.46% | 14.64% | 12.24% | -141 bps | |
| Equity / Assets | 9.86% | 10.12% | 10.80% | 11.95% | 19.03% | +917 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.10% | 94.05% | 86.24% | 94.92% | 90.55% | +345 bps | |
| Liquid Assets / Assets | 2.41% | 2.32% | 2.41% | 1.55% | 1.48% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |