Hutchinson, KS · Cert 11772
FDIC · 6 branches
Q1 2019
Market Position · Wichita, KS · 2018 SOD (annual) · 0.1% share · #46 of 52 inst. · $0.0B of $15.8B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 2.01% | 2.07% | 2.24% | 0.61% | 0.97% | 1.11% | 1.38% | -87 bps | |
| Return on Equity | 19.30% | 20.55% | 21.62% | 24.18% | 5.13% | 7.28% | 7.82% | 7.69% | -1,649 bps | |
| Net Interest Margin | 3.58% | 3.60% | 3.50% | 3.49% | 1.29% | 2.24% | 2.71% | 3.92% | +44 bps | |
| Efficiency Ratio | 58.15% | 57.78% | 57.58% | 51.50% | 56.75% | 54.42% | 55.37% | 61.34% | +984 bps | |
| Non-Interest Burden | 1.63% | 1.60% | 1.53% | 1.06% | 0.52% | 0.95% | 1.22% | 1.99% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.61% | 5.57% | 15.94% | 4.08% | 11.21% | 4.25% | -3.05% | -1.42% | -551 bps | |
| Loan Growth (YoY) | 6.95% | 10.63% | 13.74% | 7.32% | 4.24% | -6.24% | -15.30% | -21.53% | -2,886 bps | |
| Deposit Growth (YoY) | 1.77% | 5.95% | 17.40% | 2.54% | 0.48% | -4.74% | -12.32% | -7.51% | -1,005 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.11% | 0.11% | 0.12% | 0.14% | 0.36% | 0.14% | 0.24% | +12 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.04% | 0.00% | 0.00% | 0.13% | 0.04% | +1 bps | |
| Allowance / Loans | 1.81% | 1.63% | 1.47% | 1.45% | 0.02% | 0.10% | 0.04% | 0.11% | -135 bps | |
| Allowance Coverage of NPLs | 16.4x | 14.7x | 13.0x | 12.1x | 0.1x | 0.3x | 0.3x | 0.4x | -11.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 10.17% | 9.53% | 9.93% | 10.50% | 10.24% | 10.37% | 10.44% | +51 bps | |
| Total Risk-Based Capital | 12.47% | 12.77% | 12.22% | 12.97% | 11.92% | 12.49% | 13.36% | 13.74% | +78 bps | |
| Equity / Assets | 9.91% | 9.95% | 8.82% | 9.77% | 17.27% | 17.64% | 17.61% | 18.23% | +846 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.72% | 89.97% | 85.26% | 94.11% | 93.08% | 88.55% | 82.36% | 79.84% | -1,427 bps | |
| Liquid Assets / Assets | 0.89% | 1.45% | 4.98% | 1.26% | 0.95% | 1.99% | 4.77% | 1.53% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |