Stanley, KS · Cert 10916
FDIC · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Stanley, KS · Cert 10916
FDIC · 1 branch
Q2 2021
Market Position · Kansas City, MO-KS · 2021 SOD (annual) · 0.2% share · #60 of 125 inst. · $0.1B of $82.0B
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.99% | 0.88% | 1.11% | 0.98% | 0.80% | 1.37% | 1.51% | +40 bps | |
| Return on Equity | 4.88% | 5.42% | 5.00% | 6.58% | 6.10% | 5.21% | 10.33% | 12.07% | +549 bps | |
| Net Interest Margin | 3.97% | 3.78% | 3.14% | 3.09% | 2.77% | 2.50% | 3.37% | 2.99% | -10 bps | |
| Efficiency Ratio | 76.25% | 74.69% | 65.24% | 57.84% | 58.47% | 61.45% | 47.30% | 59.36% | +152 bps | |
| Non-Interest Burden | 2.92% | 2.72% | 1.95% | 1.69% | 1.53% | 1.46% | 1.48% | 1.68% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.48% | 8.11% | 12.91% | 24.09% | 21.91% | 28.83% | 19.68% | 4.49% | -1,960 bps | |
| Loan Growth (YoY) | -4.72% | -13.91% | -13.75% | 8.71% | 10.59% | 8.28% | 12.38% | -20.36% | -2,907 bps | |
| Deposit Growth (YoY) | 9.73% | 8.60% | 14.69% | 28.29% | 28.13% | 37.00% | 25.18% | 9.46% | -1,883 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.06% | 0.00% | 0.03% | 0.04% | 0.42% | 0.40% | +39 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.17% | 0.10% | 0.03% | 0.02% | 0.02% | -0.01% | 0.04% | +1 bps | |
| Allowance / Loans | 1.27% | 1.39% | 1.45% | 1.18% | 1.14% | 1.26% | 1.29% | 1.46% | +28 bps | |
| Allowance Coverage of NPLs | n/a | 27.0x | 23.3x | 240.0x | 38.4x | 29.0x | 3.1x | 3.7x | -236.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.33% | 18.04% | 17.69% | 15.85% | 13.89% | 13.31% | 13.64% | 10.63% | -522 bps | |
| Total Risk-Based Capital | 29.02% | 31.70% | 17.69% | 15.85% | 13.89% | 13.31% | 13.64% | 10.63% | -522 bps | |
| Equity / Assets | 17.84% | 18.10% | 17.19% | 15.74% | 13.70% | 13.01% | 13.48% | 11.10% | -463 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.39% | 70.95% | 62.08% | 67.33% | 66.79% | 56.07% | 55.73% | 48.99% | -1,834 bps | |
| Liquid Assets / Assets | 31.74% | 36.63% | 44.85% | 39.85% | 39.46% | 48.57% | 49.06% | 56.21% | +1,636 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |