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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.27% | 1.01% | 1.64% | -0.23% | -2.49% | -0.86% | -0.10% | -174 bps | |
| Return on Equity | 8.67% | 9.70% | 7.90% | 12.65% | -1.70% | -18.66% | -6.08% | -0.68% | -1,334 bps | |
| Net Interest Margin | 4.57% | 4.19% | 4.34% | 4.28% | 4.00% | 4.05% | 3.90% | 3.83% | -45 bps | |
| Efficiency Ratio | 53.14% | 57.74% | 50.43% | 54.84% | 58.13% | 90.77% | 112.39% | 97.20% | +4,236 bps | |
| Non-Interest Burden | 1.38% | 1.46% | 0.74% | 1.19% | 0.80% | 3.44% | 4.41% | 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 | 0.04% | 0.22% | 1.47% | 0.27% | 2.25% | 2.79% | 0.47% | -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 |