Kansas City, MO · Cert 9387
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.
Kansas City, MO · Cert 9387
FDIC · 4 branches
Q4 2016
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 1.1% share · #17 of 135 inst. · $0.6B 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 | 1.30% | 1.18% | 1.20% | 1.20% | 1.70% | 1.53% | 1.64% | 0.02% | -119 bps | |
| Return on Equity | 17.86% | 16.40% | 16.71% | 17.12% | 25.30% | 21.94% | 23.34% | 0.17% | -1,695 bps | |
| Net Interest Margin | 3.23% | 3.26% | 3.22% | 2.98% | 3.15% | 3.40% | 3.38% | 0.27% | -271 bps | |
| Efficiency Ratio | 73.11% | 71.41% | 69.91% | 68.71% | 61.64% | 62.74% | 61.61% | 89.19% | +2,048 bps | |
| Non-Interest Burden | 2.23% | 2.18% | 2.10% | 1.90% | 1.76% | 1.94% | 1.88% | 0.22% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | 10.35% | 8.22% | 16.40% | 15.91% | 4.10% | 8.82% | 14.40% | -200 bps | |
| Loan Growth (YoY) | 1.18% | 7.09% | 14.22% | 15.51% | 13.02% | 9.12% | 9.21% | 4.82% | -1,069 bps | |
| Deposit Growth (YoY) | 1.47% | 10.63% | 8.70% | 17.13% | 16.74% | 3.57% | 8.77% | 2.02% | -1,511 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 | -0.10% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.88% | 0.81% | 0.80% | 0.77% | 0.79% | 0.77% | 0.74% | 0.00% | -77 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 | 7.36% | 7.21% | 7.02% | 6.66% | 6.77% | 7.29% | 7.51% | 8.02% | +136 bps | |
| Total Risk-Based Capital | 11.63% | 10.69% | 10.20% | 10.13% | 10.70% | 10.33% | 10.50% | 11.09% | +96 bps | |
| Equity / Assets | 7.49% | 7.03% | 7.09% | 6.52% | 6.94% | 7.47% | 7.20% | 16.63% | +1,010 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.22% | 79.21% | 81.77% | 75.64% | 75.72% | 83.46% | 82.11% | 77.72% | +208 bps | |
| Liquid Assets / Assets | 14.00% | 11.92% | 10.42% | 17.66% | 19.58% | 12.50% | 18.48% | 21.03% | +338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |