Montezuma, KS · Cert 12692
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Montezuma, KS · Cert 12692
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.24% | 1.16% | 1.63% | 0.41% | 0.41% | 0.34% | -0.87% | -250 bps | |
| Return on Equity | 16.39% | 15.87% | 14.79% | 21.71% | 6.63% | 6.77% | 5.71% | -14.93% | -3,664 bps | |
| Net Interest Margin | 2.83% | 2.89% | 2.88% | 2.57% | 1.89% | 1.89% | 2.10% | 2.08% | -49 bps | |
| Efficiency Ratio | 70.72% | 73.07% | 72.77% | 73.73% | 88.65% | 84.19% | 87.12% | 85.71% | +1,198 bps | |
| Non-Interest Burden | 1.99% | 2.09% | 2.07% | 1.86% | 1.68% | 1.58% | 1.82% | 1.78% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.68% | 16.34% | 15.76% | 23.16% | 19.82% | 5.16% | -1.81% | -16.35% | -3,951 bps | |
| Loan Growth (YoY) | 1.56% | -1.41% | -22.48% | -5.54% | -11.98% | -6.43% | 25.38% | 16.62% | +2,217 bps | |
| Deposit Growth (YoY) | 13.76% | 14.74% | 16.68% | 13.18% | 17.09% | 7.22% | 0.79% | -2.82% | -1,600 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 | -0.03% | -0.02% | -0.03% | -0.02% | -0.02% | -0.03% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 2.19% | 2.05% | 2.22% | 1.91% | 2.51% | 2.22% | 1.79% | 1.66% | -25 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 20.37% | 19.68% | 20.39% | 19.35% | 22.27% | 20.61% | 18.43% | 14.54% | -481 bps | |
| Equity / Assets | 7.65% | 7.74% | 7.86% | 6.32% | 6.14% | 5.42% | 5.47% | 5.78% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.23% | 28.22% | 25.18% | 28.68% | 19.72% | 24.63% | 31.32% | 34.41% | +574 bps | |
| Liquid Assets / Assets | 6.33% | 6.10% | 5.70% | 4.42% | 3.94% | 3.91% | 0.01% | 36.05% | +3,163 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |