La Crosse, KS · Cert 13603
FDIC · 2 branches
Q1 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.16% | 0.37% | 0.30% | -6.96% | -754 bps | |
| Return on Equity | 6.83% | 1.97% | 4.63% | 3.67% | -80.80% | -8,763 bps | |
| Net Interest Margin | 2.68% | 2.75% | 2.89% | 2.79% | 2.81% | +12 bps | |
| Efficiency Ratio | 86.31% | 95.25% | 86.63% | 89.91% | 82.98% | -333 bps | |
| Non-Interest Burden | 2.29% | 2.63% | 2.49% | 2.49% | 2.22% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.36% | 2.86% | 2.70% | -3.45% | -8.93% | -1,230 bps | |
| Loan Growth (YoY) | -14.63% | -7.67% | -1.67% | -8.35% | 3.47% | +1,810 bps | |
| Deposit Growth (YoY) | 5.44% | 0.05% | 0.17% | -2.65% | -8.96% | -1,439 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.88% | 0.64% | 0.68% | 0.00% | -93 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.43% | -0.33% | 2.85% | +285 bps | |
| Allowance / Loans | 3.28% | 2.97% | 2.74% | 3.00% | 2.42% | -86 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.4x | 4.3x | 4.4x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.11% | 9.28% | 9.55% | 9.57% | 8.22% | -89 bps | |
| Total Risk-Based Capital | 24.20% | 23.31% | 22.48% | 22.79% | 19.27% | -493 bps | |
| Equity / Assets | 8.15% | 8.14% | 7.83% | 8.55% | 8.69% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.62% | 32.42% | 34.60% | 30.90% | 31.39% | +377 bps | |
| Liquid Assets / Assets | 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 |