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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.72% | 0.68% | 0.81% | 0.74% | 0.67% | 0.72% | 0.78% | -4 bps | |
| Return on Equity | 3.37% | 3.80% | 3.65% | 4.37% | 3.96% | 3.60% | 3.95% | 4.37% | 0 bps | |
| Net Interest Margin | 2.82% | 2.73% | 2.78% | 2.82% | 2.90% | 2.79% | 2.64% | 2.52% | -30 bps | |
| Efficiency Ratio | 70.20% | 66.84% | 68.06% | 65.18% | 66.80% | 65.22% | 66.27% | 66.88% | +170 bps | |
| Non-Interest Burden | 1.65% | 1.47% | 1.55% | 1.48% | 1.58% | 1.48% | 1.40% | 1.38% | -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% | 0.09% | 0.00% | 0.00% | 0.54% | 0.65% | +57 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 |