Rich Hill, MO · Cert 9806
FDIC · 5 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Rich Hill, MO · Cert 9806
FDIC · 5 branches
Q2 2017
Market Position · Kansas City, MO-KS · 2017 SOD (annual) · 0.1% share · #96 of 126 inst. · $0.0B of $55.7B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 1.87% | 1.15% | 1.06% | 1.05% | 0.95% | 1.32% | 1.10% | +4 bps | |
| Return on Equity | 25.73% | 20.87% | 13.24% | 12.18% | 12.08% | 11.07% | 15.53% | 13.20% | +102 bps | |
| Net Interest Margin | 4.43% | 4.44% | 4.41% | 4.44% | 4.48% | 4.37% | 4.44% | 4.48% | +4 bps | |
| Efficiency Ratio | 61.57% | 67.32% | 75.74% | 77.33% | 77.84% | 80.03% | 81.20% | 81.40% | +407 bps | |
| Non-Interest Burden | 2.25% | 2.65% | 3.20% | 3.31% | 3.38% | 3.40% | 3.49% | 3.55% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | 0.43% | -3.19% | -4.90% | -1.45% | 5.03% | 9.32% | 11.01% | +1,592 bps | |
| Loan Growth (YoY) | 1.48% | 4.92% | -6.82% | -7.97% | 5.54% | 11.75% | 22.64% | 23.18% | +3,115 bps | |
| Deposit Growth (YoY) | 1.61% | -3.45% | -2.34% | -2.00% | 0.20% | 3.31% | 4.38% | 5.73% | +773 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | -0.18% | -0.13% | 0.01% | -0.01% | 0.00% | 0.01% | 0.03% | 0.07% | +7 bps | |
| Allowance / Loans | 1.30% | 1.27% | 1.39% | 1.34% | 1.23% | 1.13% | 1.13% | 1.06% | -28 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 7.4x | 16.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.72% | 8.71% | 8.30% | 8.58% | 8.74% | 8.45% | 8.43% | 8.00% | -58 bps | |
| Total Risk-Based Capital | 11.22% | 10.54% | 13.18% | 12.75% | 11.90% | 12.65% | 12.18% | 11.24% | -151 bps | |
| Equity / Assets | 8.88% | 8.88% | 8.50% | 8.72% | 8.62% | 8.31% | 8.65% | 8.01% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.01% | 87.56% | 79.76% | 83.73% | 87.43% | 94.71% | 93.70% | 97.55% | +1,382 bps | |
| Liquid Assets / Assets | 4.31% | 4.36% | 5.08% | 4.54% | 5.42% | 5.02% | 5.07% | 4.96% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |