Kearney, MO · Cert 9793
FDIC · 5 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Kearney, MO · Cert 9793
FDIC · 5 branches
Q3 2019
Market Position · Kansas City, MO-KS · 2019 SOD (annual) · 0.3% share · #37 of 123 inst. · $0.2B of $61.3B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.60% | 1.71% | 1.77% | 1.73% | 1.56% | 1.79% | 1.62% | -15 bps | |
| Return on Equity | 11.31% | 12.04% | 12.67% | 12.89% | 12.37% | 10.54% | 11.74% | 10.33% | -256 bps | |
| Net Interest Margin | 3.82% | 3.90% | 4.03% | 4.19% | 4.15% | 4.17% | 4.28% | 4.35% | +16 bps | |
| Efficiency Ratio | 63.69% | 63.64% | 62.06% | 61.15% | 62.02% | 63.00% | 60.19% | 64.22% | +308 bps | |
| Non-Interest Burden | 2.26% | 2.31% | 2.32% | 2.38% | 2.41% | 2.56% | 2.45% | 2.66% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.85% | 8.21% | 3.91% | 1.72% | -0.40% | -0.76% | -4.80% | -4.99% | -671 bps | |
| Loan Growth (YoY) | 23.37% | 19.61% | 12.89% | 11.65% | 7.53% | 5.36% | 3.40% | -2.23% | -1,388 bps | |
| Deposit Growth (YoY) | 4.15% | 3.58% | 13.90% | 1.95% | 5.99% | 4.12% | -8.54% | -9.59% | -1,154 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | -0.03% | -0.02% | -0.01% | 0.01% | 0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.13% | 1.10% | 1.06% | 1.06% | 1.09% | 1.18% | +7 bps | |
| Allowance Coverage of NPLs | 34.8x | 180.4x | 182.1x | 198.3x | 361.8x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.56% | 13.28% | 13.92% | 14.83% | 15.00% | 14.96% | 15.75% | 16.25% | +142 bps | |
| Total Risk-Based Capital | 18.09% | 17.94% | 18.62% | 19.38% | 19.19% | 19.26% | 20.59% | 21.53% | +215 bps | |
| Equity / Assets | 13.27% | 13.31% | 13.80% | 14.67% | 14.72% | 14.90% | 16.19% | 17.06% | +238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.49% | 96.69% | 90.55% | 101.44% | 98.90% | 97.84% | 102.37% | 109.70% | +826 bps | |
| Liquid Assets / Assets | 1.88% | 1.76% | 5.41% | 1.81% | 1.64% | 1.42% | 1.45% | 1.54% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |