Blue Springs, MO · Cert 58697
FDIC · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Blue Springs, MO · Cert 58697
FDIC · 1 branch
Q1 2018
Market Position · Kansas City, MO-KS · 2017 SOD (annual) · 0.2% share · #59 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.83% | 0.85% | 0.64% | 0.84% | 0.85% | 0.75% | 1.29% | +64 bps | |
| Return on Equity | 8.99% | 9.27% | 9.27% | 6.75% | 9.06% | 9.15% | 8.12% | 14.15% | +740 bps | |
| Net Interest Margin | 3.17% | 3.19% | 3.34% | 3.30% | 3.15% | 3.18% | 3.27% | 3.58% | +28 bps | |
| Efficiency Ratio | 67.13% | 66.37% | 65.54% | 73.15% | 65.18% | 64.37% | 63.55% | 56.62% | -1,653 bps | |
| Non-Interest Burden | 1.97% | 1.95% | 2.00% | 2.27% | 1.87% | 1.87% | 1.90% | 1.82% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.45% | 5.98% | -2.04% | 14.93% | 16.39% | 16.17% | 19.10% | -5.49% | -2,042 bps | |
| Loan Growth (YoY) | 11.48% | 22.78% | 8.79% | 24.61% | 24.98% | 15.38% | 20.89% | 6.00% | -1,861 bps | |
| Deposit Growth (YoY) | 21.77% | 7.79% | 1.93% | 18.05% | 11.66% | 13.38% | 14.35% | -4.77% | -2,282 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.63% | 0.79% | 0.54% | 0.31% | 0.65% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | 0.17% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.22% | 1.27% | 1.14% | 1.10% | 1.01% | 1.04% | 1.06% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.8x | 1.4x | 1.9x | 3.3x | 1.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.88% | 8.80% | 10.23% | 10.00% | 9.25% | 9.17% | 9.33% | 8.70% | -130 bps | |
| Total Risk-Based Capital | 14.80% | 14.99% | 16.28% | 14.62% | 14.28% | 14.28% | 14.12% | 13.52% | -110 bps | |
| Equity / Assets | 8.85% | 9.16% | 10.31% | 8.87% | 8.76% | 9.23% | 9.21% | 8.96% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.16% | 87.30% | 90.67% | 86.31% | 87.49% | 88.83% | 95.86% | 96.08% | +976 bps | |
| Liquid Assets / Assets | 19.42% | 14.76% | 14.17% | 18.90% | 16.61% | 17.39% | 15.57% | 14.96% | -394 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |