Ottawa, KS · Cert 4751
FDIC · 12 branches
Q4 2017
Market Position · Kansas City, MO-KS · 2017 SOD (annual) · 0.2% share · #55 of 126 inst. · $0.1B of $55.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 1.13% | 1.87% | 1.06% | -2.60% | -471 bps | |
| Return on Equity | 20.13% | 10.65% | 18.36% | 10.22% | -25.85% | -4,598 bps | |
| Net Interest Margin | 4.11% | 3.92% | 4.15% | 4.31% | 3.92% | -20 bps | |
| Efficiency Ratio | 85.14% | 90.58% | 86.07% | 91.60% | 124.30% | +3,916 bps | |
| Non-Interest Burden | 0.60% | 2.01% | 0.98% | 2.56% | 6.33% | +573 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.22% | 2.52% | -4.52% | -4.71% | -0.46% | -568 bps | |
| Loan Growth (YoY) | -3.10% | -9.84% | -11.64% | -8.05% | -15.35% | -1,226 bps | |
| Deposit Growth (YoY) | 6.22% | 8.58% | 7.27% | 3.17% | 1.10% | -512 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.41% | 0.24% | 0.21% | 0.39% | +39 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.20% | -0.01% | -0.07% | -0.01% | +7 bps | |
| Allowance / Loans | 1.31% | 1.29% | 1.16% | 1.16% | 1.51% | +21 bps | |
| Allowance Coverage of NPLs | n/a | 3.2x | 4.7x | 5.6x | 3.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.71% | 10.73% | 10.90% | 10.77% | 9.53% | -119 bps | |
| Total Risk-Based Capital | 16.09% | 15.92% | 15.18% | 15.20% | 14.77% | -132 bps | |
| Equity / Assets | 11.04% | 10.17% | 10.20% | 10.51% | 9.56% | -148 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.44% | 82.21% | 92.44% | 93.34% | 72.37% | -1,407 bps | |
| Liquid Assets / Assets | 4.30% | 7.08% | 3.09% | 1.41% | 16.66% | +1,236 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |