Kansas City, MO · Cert 58124
FDIC · 1 branch
Q2 2015
Market Position · Kansas City, MO-KS · 2015 SOD (annual) · 1.0% share · #18 of 138 inst. · $0.5B of $49.0B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.55% | 3.15% | 13.32% | 6.67% | 5.21% | 4.79% | 13.33% | 8.54% | +187 bps | |
| Return on Equity | 11.06% | 9.54% | 39.23% | 17.28% | 12.45% | 11.05% | 29.64% | 19.37% | +209 bps | |
| Net Interest Margin | 4.17% | 4.32% | 5.38% | 5.05% | 4.88% | 5.19% | 5.50% | 5.22% | +17 bps | |
| Efficiency Ratio | 48.65% | 50.94% | 31.52% | 39.88% | 42.46% | 43.81% | 32.22% | 38.90% | -98 bps | |
| Non-Interest Burden | -5.14% | -3.46% | -10.40% | -8.21% | -6.97% | -5.16% | -10.48% | -9.00% | -79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | -12.26% | -11.90% | -15.27% | -11.77% | -10.21% | -7.86% | -16.04% | -77 bps | |
| Loan Growth (YoY) | -15.01% | -11.17% | -23.36% | -22.61% | -17.91% | -1.84% | -13.56% | -12.97% | +964 bps | |
| Deposit Growth (YoY) | -8.53% | -23.74% | -21.83% | -36.23% | -36.11% | -31.35% | -19.67% | -4.10% | +3,213 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 8.37% | 3.82% | -0.59% | 1.53% | 1.99% | 0.93% | 0.39% | 0.68% | -84 bps | |
| Allowance / Loans | 6.26% | 2.56% | 5.27% | 5.26% | 4.97% | 1.93% | 4.51% | 4.29% | -97 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 34.71% | 32.73% | n/a | |
| Total Risk-Based Capital | 139.95% | 72.54% | 168.51% | 191.21% | 199.41% | 87.44% | 236% | 140.76% | -5,045 bps | |
| Equity / Assets | 40.22% | 36.66% | 31.85% | 51.02% | 54.35% | 49.86% | 41.24% | 41.42% | -960 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.87% | 84.71% | 27.54% | 55.81% | 62.79% | 121.11% | 29.63% | 50.64% | -516 bps | |
| Liquid Assets / Assets | 33.19% | 15.20% | 56.36% | 37.89% | 37.93% | 13.02% | 60.58% | 30.01% | -788 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |