La Crosse, KS · Cert 13603
FDIC · 2 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
La Crosse, KS · Cert 13603
FDIC · 2 branches
Q1 2019
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 | 0.09%1 | 0.34%1 | 0.27%1 | 0.57% | 0.37% | 0.37% | 0.35% | -6.96% | -754 bps | |
| Return on Equity | 0.96% | 3.71% | 2.94% | 6.83% | 4.43% | 4.50% | 4.26% | -80.80% | -8,763 bps | |
| Net Interest Margin | 2.83% | 2.79% | 2.63% | 2.68% | 2.74% | 2.83% | 2.82% | 2.81% | +12 bps | |
| Efficiency Ratio | 104.01% | 100.95% | 98.35% | 86.31% | 90.49% | 89.13% | 89.33% | 82.98% | -333 bps | |
| Non-Interest Burden | 2.93% | 2.81% | 2.58% | 2.29% | 2.48% | 2.51% | 2.51% | 2.22% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.62% | -0.29% | 7.68% | 3.36% | 2.86% | 2.70% | -3.45% | -8.93% | -1,230 bps | |
| Loan Growth (YoY) | -4.52% | -13.01% | -10.74% | -14.63% | -7.67% | -1.67% | -8.35% | 3.47% | +1,810 bps | |
| Deposit Growth (YoY) | -1.69% | 1.69% | 9.07% | 5.44% | 0.05% | 0.17% | -2.65% | -8.96% | -1,439 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.59% | 1.28% | 1.24% | 0.93% | 0.88% | 0.64% | 0.68% | 0.00% | -93 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.03% | 0.00% | 0.00% | 0.14% | 0.03% | 2.85% | +285 bps | |
| Allowance / Loans | 2.74% | 2.79% | 2.78% | 3.28% | 2.97% | 2.74% | 3.00% | 2.42% | -86 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.2x | 2.3x | 3.5x | 3.4x | 4.3x | 4.4x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.54% | 9.67% | 9.39% | 9.11% | 9.28% | 9.55% | 9.57% | 8.22% | -89 bps | |
| Total Risk-Based Capital | 22.28% | 23.46% | 22.89% | 24.20% | 23.31% | 22.48% | 22.79% | 19.27% | -493 bps | |
| Equity / Assets | 9.43% | 9.48% | 8.66% | 8.15% | 8.14% | 7.83% | 8.55% | 8.69% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.13% | 35.25% | 32.83% | 27.62% | 32.42% | 34.60% | 30.90% | 31.39% | +377 bps | |
| Liquid Assets / Assets | 1.14% | 0.57% | 0.55% | 0.55% | 2.21% | 2.22% | 2.25% | 0.00% | -55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |