Plainville, KS · Cert 10925
FDIC · 2 branches
Q4 2016
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 1.21% | 1.26% | 1.25% | 1.22% | +48 bps | |
| Return on Equity | 5.96% | 9.06% | 9.22% | 9.13% | 8.90% | +294 bps | |
| Net Interest Margin | 3.07% | 3.02% | 2.89% | 2.85% | 2.76% | -31 bps | |
| Efficiency Ratio | 69.74% | 56.71% | 61.78% | 61.46% | 60.25% | -949 bps | |
| Non-Interest Burden | 2.09% | 1.44% | 1.61% | 1.60% | 1.43% | -66 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.35% | -6.24% | -2.94% | -0.31% | -2.20% | +1,015 bps | |
| Loan Growth (YoY) | -18.92% | -15.40% | -15.28% | -14.23% | -6.07% | +1,285 bps | |
| Deposit Growth (YoY) | -10.50% | -8.42% | -5.53% | -1.37% | -6.50% | +401 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.02% | -0.01% | -0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.53% | 1.65% | 1.67% | 1.71% | 1.73% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.79% | 13.03% | 13.52% | 13.91% | 14.08% | +129 bps | |
| Total Risk-Based Capital | 30.06% | 32.18% | 33.61% | 34.01% | 34.09% | +403 bps | |
| Equity / Assets | 13.16% | 13.56% | 14.14% | 14.07% | 13.53% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.06% | 50.62% | 52.32% | 50.50% | 52.30% | +24 bps | |
| Liquid Assets / Assets | 4.34% | 4.05% | 5.30% | 4.30% | 1.96% | -238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |