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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.83% | 2.10% | 2.50% | 2.42% | 1.13% | 1.51% | 1.36% | 0.38% | -204 bps | |
| Return on Equity | 17.52% | 20.63% | 24.68% | 23.53% | 10.65% | 14.39% | 12.99% | 3.73% | -1,980 bps | |
| Net Interest Margin | 4.15% | 3.97% | 3.90% | 4.03% | 3.92% | 4.00% | 4.05% | 4.06% | +3 bps | |
| Efficiency Ratio | 86.21% | 84.87% | 82.92% | 83.47% | 90.58% | 88.18% | 89.31% | 94.05% | +1,059 bps | |
| Non-Interest Burden | 1.02% | 0.55% | -0.10% | 0.07% | 2.01% | 1.48% | 1.82% | 2.97% | +290 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 6.96% | 12.75% | 5.22% | 2.52% | -4.52% | -4.71% | -0.46% | -568 bps | |
| Loan Growth (YoY) | 1.74% | 7.51% | 11.32% | -3.10% | -9.84% | -11.64% | -8.05% | -15.35% | -1,226 bps | |
| Deposit Growth (YoY) | 1.77% | 4.39% | 5.12% | 6.22% | 8.58% | 7.27% | 3.17% | 1.10% | -512 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 0.24% | 0.21% | 0.39% | +39 bps | |
| Net Charge-Offs / Loans | -0.40% | -0.20% | -0.14% | -0.14% | 0.20% | 0.08% | 0.03% | 0.03% | +17 bps | |
| Allowance / Loans | 1.17% | 1.04% | 1.08% | 1.31% | 1.29% | 1.16% | 1.16% | 1.51% | +21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.2x | 4.7x | 5.6x | 3.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.13% | 10.52% | 10.26% | 10.71% | 10.73% | 10.90% | 10.77% | 9.53% | -119 bps | |
| Total Risk-Based Capital | 15.42% | 14.98% | 14.81% | 16.09% | 15.92% | 15.18% | 15.20% | 14.77% | -132 bps | |
| Equity / Assets | 10.32% | 9.68% | 9.97% | 11.04% | 10.17% | 10.20% | 10.51% | 9.56% | -148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.00% | 112.22% | 104.73% | 86.44% | 82.21% | 92.44% | 93.34% | 72.37% | -1,407 bps | |
| Liquid Assets / Assets | 1.21% | 1.12% | 1.52% | 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 | n/a | n/a | n/a |