Jefferson City, MO · Charter 64533
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -0.39% | -0.48% | -0.69% | 0.17% | 0.06% | 0.11% | -1.93% | -123 bps | |
| Return on Equity | -5.63% | -4.91% | -6.10% | -8.64% | 2.14% | 0.72% | 1.47% | -31.71% | -2,307 bps | |
| Net Interest Margin | 2.77% | 2.90% | 3.07% | 3.36% | 3.54% | 3.51% | 3.47% | 2.55% | -81 bps | |
| Efficiency Ratio | 113.37% | 101.28% | 99.29% | 99.03% | 99.22% | 95.46% | 95.68% | 172.73% | +7,370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 5.18% | 1.71% | -0.84% | -2.73% | -3.47% | 0.60% | -0.06% | +78 bps | |
| Loan Growth (YoY) | 20.10% | 34.05% | 43.50% | 30.01% | 14.31% | 4.57% | -4.76% | -10.63% | -4,064 bps | |
| Share Growth (YoY) | 2.39% | 6.38% | 2.60% | -0.20% | -2.44% | -3.33% | 0.86% | 1.16% | +136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.48% | 0.78% | 0.32% | 0.25% | 0.27% | 1.43% | 0.91% | 0.95% | +70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.43% | 0.25% | 0.53% | 0.52% | 0.66% | 0.61% | 0.64% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.01% | 7.91% | 7.88% | 8.00% | 7.73% | 7.75% | 7.62% | 6.07% | -192 bps | |
| Net Worth / Assets | 8.01% | 7.91% | 7.88% | 8.00% | 7.73% | 7.75% | 7.62% | 6.07% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.44% | 85.12% | 97.90% | 104.96% | 94.25% | 92.08% | 92.45% | 92.73% | -1,223 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |