Sylvan Grove, KS · Cert 1149
FDIC · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 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.
Sylvan Grove, KS · Cert 1149
FDIC · 2 branches
Q1 2017
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.5% share · #33 of 135 inst. · $0.3B of $52.7B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.37% | 1.27% | 1.64% | 0.71% | -0.33% | -0.46% | -0.10% | -174 bps | |
| Return on Equity | 10.97% | 10.54% | 9.86% | 12.65% | 5.44% | -2.53% | -3.40% | -0.68% | -1,334 bps | |
| Net Interest Margin | 4.96% | 4.56% | 4.40% | 4.28% | 4.22% | 4.20% | 4.29% | 3.83% | -45 bps | |
| Efficiency Ratio | 51.88% | 53.80% | 52.86% | 54.84% | 56.55% | 65.71% | 75.11% | 97.20% | +4,236 bps | |
| Non-Interest Burden | 1.63% | 1.53% | 1.30% | 1.19% | 1.01% | 1.83% | 2.54% | 3.54% | +236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.43% | 23.09% | 20.76% | 8.01% | 5.26% | -1.22% | -14.79% | -12.45% | -2,046 bps | |
| Loan Growth (YoY) | 23.14% | 27.09% | 29.01% | 14.33% | 5.28% | -1.57% | -15.00% | -11.28% | -2,561 bps | |
| Deposit Growth (YoY) | 21.83% | 18.15% | 22.95% | 8.97% | 6.83% | 0.56% | -16.31% | -13.58% | -2,255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 9.42% | +942 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.09% | 0.43% | 0.27% | 1.26% | 1.78% | 1.59% | -0.33% | -60 bps | |
| Allowance / Loans | 0.63% | 0.69% | 0.80% | 0.86% | 1.37% | 2.11% | 2.45% | 2.64% | +178 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.00% | 9.90% | 9.89% | 9.80% | 10.08% | 9.60% | 10.58% | 11.55% | +175 bps | |
| Total Risk-Based Capital | 10.90% | 11.02% | 11.39% | 12.37% | 12.35% | 11.57% | 13.27% | 13.23% | +86 bps | |
| Equity / Assets | 13.08% | 13.10% | 12.56% | 13.34% | 13.41% | 13.32% | 14.93% | 14.93% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.39% | 99.26% | 96.68% | 95.13% | 95.00% | 97.16% | 98.20% | 97.66% | +254 bps | |
| Liquid Assets / Assets | 10.16% | 8.55% | 10.82% | 12.28% | 10.45% | 7.65% | 7.69% | 8.35% | -393 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |