PackageTrendsPeer
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UMB Overland Park Bank

Overland Park, KS · Cert 8109

FDIC

Q1 1997

$788.4MAssets
$249.6MLoans
$586.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.68%, up 29 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 42.55% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

0.68%+29 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets0.44%0.49%0.49%0.39%0.46%0.53%0.52%0.68%+29 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-2.81%2.32%8.33%11.95%3.88%0.74%9.19%3.74%-821 bps
Loan Growth (YoY)-12.60%-9.21%-6.64%1.29%7.00%-0.46%5.42%-3.19%-448 bps
Deposit Growth (YoY)-7.52%-0.29%6.02%13.58%14.54%5.94%22.54%5.09%-849 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits49.78%47.68%45.12%46.19%46.50%44.80%38.82%42.55%-364 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a