Plainville, KS · Cert 10925
FDIC · 2 branches
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.71% | 0.73% | 0.53% | 1.21% | 1.29%1 | 1.26% | 1.11% | +58 bps | |
| Return on Equity | 8.36% | 5.71% | 5.74% | 4.05% | 9.06% | 9.33% | 8.92% | 8.04% | +399 bps | |
| Net Interest Margin | 3.01% | 3.18% | 2.82% | 2.84% | 3.02% | 2.69% | 2.75% | 2.49% | -34 bps | |
| Efficiency Ratio | 61.87% | 69.15% | 69.72% | 80.85% | 56.71% | 67.98% | 60.75% | 57.02% | -2,383 bps | |
| Non-Interest Burden | 1.69% | 2.16% | 1.93% | 2.33% | 1.44% | 1.74% | 1.57% | 0.92% | -141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.42% | -10.22% | -9.30% | -12.35% | -6.24% | -2.94% | -0.31% | -2.20% | +1,015 bps | |
| Loan Growth (YoY) | -10.17% | -4.02% | -5.42% | -18.92% | -15.40% | -15.28% | -14.23% | -6.07% | +1,285 bps | |
| Deposit Growth (YoY) | -9.18% | -12.75% | -12.57% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | -0.02% | -0.02% | -0.02% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.26% | 1.33% | 1.37% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 12.02% | 12.56% | 12.79% | 13.03% | 13.52% | 13.91% | 14.08% | +129 bps | |
| Total Risk-Based Capital | 27.28% | 27.40% | 27.53% | 30.06% | 32.18% | 33.61% | 34.01% | 34.09% | +403 bps | |
| Equity / Assets | 12.24% | 12.49% | 13.09% | 13.16% | 13.56% | 14.14% | 14.07% | 13.53% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.79% | 58.34% | 58.07% | 52.06% | 50.62% | 52.32% | 50.50% | 52.30% | +24 bps | |
| Liquid Assets / Assets | 1.71% | 0.93% | 1.13% | 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 | n/a | n/a | n/a |