Overland Park, KS · Cert 58292
FDIC · 1 branch
Q3 2022
Market Position · Kansas City, MO-KS · 2022 SOD (annual) · 0.2% share · #53 of 120 inst. · $0.2B of $85.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.43% | 0.48% | 0.87% | 0.74% | 0.17% | 0.49% | 0.52% | -35 bps | |
| Return on Equity | 0.80% | 3.94% | 4.91% | 8.99% | 7.73% | 1.80% | 4.90% | 4.96% | -403 bps | |
| Net Interest Margin | 2.97% | 2.94% | 2.93% | 2.94% | 2.69% | 2.48% | 2.79% | 3.26% | +32 bps | |
| Efficiency Ratio | 91.38% | 82.35% | 79.48% | 70.84% | 67.89% | 90.40% | 77.39% | 80.91% | +1,007 bps | |
| Non-Interest Burden | 2.69% | 2.38% | 2.28% | 2.03% | 1.74% | 2.26% | 2.18% | 2.61% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.77% | 13.95% | 15.13% | 16.36% | 20.52% | 10.29% | -1.18% | -7.57% | -2,394 bps | |
| Loan Growth (YoY) | 7.58% | 7.60% | -10.96% | -15.95% | -11.57% | -10.62% | -10.18% | -8.04% | +790 bps | |
| Deposit Growth (YoY) | 25.64% | 18.67% | 22.86% | 25.92% | 26.22% | 12.08% | -2.22% | -8.77% | -3,470 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 | -0.01% | -0.01% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 0.86% | 0.84% | 0.91% | 0.87% | 0.88% | 0.85% | 0.92% | 0.95% | +8 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 | 11.82% | 10.53% | 10.24% | 9.80% | 9.53% | 9.67% | 10.00% | 10.27% | +47 bps | |
| Total Risk-Based Capital | 13.88% | 12.77% | 13.09% | 13.74% | 13.74% | 13.58% | 14.41% | 14.32% | +59 bps | |
| Equity / Assets | 11.56% | 10.22% | 9.55% | 9.78% | 9.34% | 9.79% | 10.17% | 10.90% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.59% | 97.59% | 81.90% | 77.85% | 71.87% | 77.82% | 75.24% | 78.48% | +62 bps | |
| Liquid Assets / Assets | 6.44% | 6.40% | 8.91% | 30.07% | 35.26% | 30.41% | 33.11% | 26.73% | -334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |