Hiawatha, KS · Cert 1143
FDIC · 9 branches
Q1 2023
Market Position · Kansas City, MO-KS · 2022 SOD (annual) · 1.2% share · #16 of 120 inst. · $1.0B of $85.8B
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.40% | 1.38% | 1.45% | 1.06% | -19 bps | |
| Return on Equity | 9.38% | 10.88% | 11.18% | 11.98% | 9.34% | -4 bps | |
| Net Interest Margin | 2.99% | 3.01% | 3.00% | 3.10% | 3.05% | +6 bps | |
| Efficiency Ratio | 57.59% | 53.83% | 52.06% | 50.54% | 56.61% | -98 bps | |
| Non-Interest Burden | 1.60% | 1.45% | 1.39% | 1.38% | 1.57% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.15% | 1.04% | -1.73% | -1.14% | 0.38% | +23 bps | |
| Loan Growth (YoY) | -4.91% | 4.97% | 8.60% | 3.27% | 6.97% | +1,188 bps | |
| Deposit Growth (YoY) | 0.65% | 4.39% | 2.66% | 5.07% | 4.96% | +432 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 0.66% | 0.67% | 0.60% | 0.62% | -26 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.08% | 0.06% | 0.05% | 0.01% | 0 bps | |
| Allowance / Loans | 1.12% | 0.87% | 0.79% | 0.77% | 0.82% | -29 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.2x | 1.3x | 1.3x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.15% | 10.85% | 10.65% | 10.75% | 11.13% | -1 bps | |
| Total Risk-Based Capital | 17.55% | 16.41% | 15.34% | 16.07% | 16.82% | -74 bps | |
| Equity / Assets | 12.94% | 11.82% | 10.89% | 11.15% | 11.63% | -131 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.78% | 62.90% | 65.17% | 63.01% | 61.94% | +116 bps | |
| Liquid Assets / Assets | 1.02% | 0.78% | 2.45% | 2.33% | 2.47% | +144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |