Lees Summit, MO · Cert 8886
FDIC · 4 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Lees Summit, MO · Cert 8886
FDIC · 4 branches
Q4 2016
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.5% share · #34 of 135 inst. · $0.2B of $52.7B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.68% | 0.68% | 0.72% | 0.74% | 0.70% | 0.71% | 0.72% | +1 bps | |
| Return on Equity | 3.37% | 3.59% | 3.61% | 3.80% | 3.96% | 3.78% | 3.84% | 3.97% | +17 bps | |
| Net Interest Margin | 2.82% | 2.73% | 2.74% | 2.74% | 2.90% | 2.79% | 2.72% | 2.59% | -14 bps | |
| Efficiency Ratio | 70.20% | 68.50% | 68.35% | 67.54% | 66.80% | 66.01% | 66.09% | 66.28% | -125 bps | |
| Non-Interest Burden | 1.65% | 1.54% | 1.53% | 1.51% | 1.58% | 1.51% | 1.46% | 1.40% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | 2.01% | 4.30% | 5.35% | 4.12% | 4.10% | 4.83% | 9.60% | +425 bps | |
| Loan Growth (YoY) | 1.44% | 4.97% | 11.73% | 16.61% | 11.02% | 13.85% | 8.29% | 4.01% | -1,261 bps | |
| Deposit Growth (YoY) | 0.39% | 1.35% | 4.46% | 6.43% | 5.19% | 5.00% | 5.85% | 10.91% | +448 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% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.18% | 0.30% | +28 bps | |
| Allowance / Loans | 1.38% | 1.40% | 1.39% | 1.31% | 1.27% | 1.36% | 1.25% | 1.09% | -22 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 | 12.55% | 12.21% | 12.31% | 12.24% | 12.56% | 12.09% | 12.14% | 11.91% | -33 bps | |
| Total Risk-Based Capital | 24.29% | 23.54% | 22.88% | 22.05% | 21.87% | 21.65% | 22.94% | 23.09% | +104 bps | |
| Equity / Assets | 18.90% | 18.75% | 18.70% | 18.61% | 18.60% | 18.40% | 18.24% | 17.49% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.99% | 45.31% | 46.32% | 47.50% | 48.53% | 49.13% | 47.39% | 44.54% | -296 bps | |
| Liquid Assets / Assets | 50.76% | 51.08% | 50.55% | 49.52% | 48.90% | 48.51% | 50.17% | 52.52% | +300 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |