Oregon, MO · Cert 8289
FDIC · 2 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Oregon, MO · Cert 8289
FDIC · 2 branches
Q4 2015
Market Position · St. Joseph, MO-KS · 2015 SOD (annual) · 0.9% share · #17 of 22 inst. · $0.0B of $2.1B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.92% | 0.98% | 1.00% | 0.89% | 1.01% | 1.03% | 0.15% | -85 bps | |
| Return on Equity | 12.42% | 12.15% | 12.81% | 12.83% | 10.30% | 11.51% | 11.53% | 1.67% | -1,115 bps | |
| Net Interest Margin | 3.57% | 3.66% | 3.56% | 3.53% | 3.89% | 3.87% | 3.90% | 0.57% | -296 bps | |
| Efficiency Ratio | 59.76% | 58.14% | 56.42% | 55.91% | 61.73% | 58.29% | 58.03% | 54.79% | -111 bps | |
| Non-Interest Burden | 2.13% | 2.13% | 1.99% | 1.96% | 2.40% | 2.24% | 2.23% | 0.31% | -165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.26% | 15.64% | 20.75% | 20.39% | 16.31% | 5.99% | 1.38% | 2.63% | -1,776 bps | |
| Loan Growth (YoY) | 29.60% | 45.16% | 46.25% | 38.70% | 30.22% | 17.84% | 6.43% | 3.72% | -3,498 bps | |
| Deposit Growth (YoY) | 2.31% | 14.28% | 21.02% | 12.77% | 10.90% | 8.71% | -4.52% | -4.22% | -1,699 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 | -0.06% | 0.61% | 0.33% | 0.22% | -0.30% | -0.17% | -0.11% | 0.00% | -22 bps | |
| Allowance / Loans | 1.78% | 1.38% | 1.30% | 1.31% | 1.42% | 1.47% | 1.44% | 0.00% | -131 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 | 9.23% | 9.57% | 9.96% | 9.75% | n/a | |
| Total Risk-Based Capital | 17.74% | 16.84% | 15.87% | 15.68% | 16.41% | 17.25% | 17.26% | 15.69% | +1 bps | |
| Equity / Assets | 7.63% | 7.85% | 7.97% | 8.20% | 9.02% | 9.02% | 9.55% | 9.32% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.29% | 70.01% | 74.19% | 68.71% | 71.96% | 75.89% | 82.71% | 74.41% | +570 bps | |
| Liquid Assets / Assets | 0.82% | 0.68% | 0.40% | 1.01% | 0.71% | 0.04% | 0.00% | 0.00% | -101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |