Chetopa, KS · Cert 13956
FDIC · 1 branch
Q4 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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.80% | 1.65% | 1.61% | 1.66% | 1.72% | -8 bps | |
| Return on Equity | 17.83% | 16.37% | 15.77% | 16.24% | 16.89% | -94 bps | |
| Net Interest Margin | 3.70% | 3.60% | 3.66% | 3.61% | 3.56% | -14 bps | |
| Efficiency Ratio | 53.69% | 55.53% | 56.97% | 55.68% | 54.33% | +65 bps | |
| Non-Interest Burden | 1.77% | 1.83% | 1.92% | 1.84% | 1.76% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.22% | 1.53% | 5.13% | 7.21% | 6.60% | -162 bps | |
| Loan Growth (YoY) | 12.40% | -1.19% | 2.09% | 3.94% | 2.23% | -1,017 bps | |
| Deposit Growth (YoY) | 5.15% | 1.03% | 4.72% | 7.07% | 9.86% | +471 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.00% | 0.00% | 0.01% | -6 bps | |
| Allowance / Loans | 0.91% | 1.01% | 1.03% | 1.02% | 0.97% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.24% | 10.13% | 10.33% | 10.49% | 10.24% | 0 bps | |
| Total Risk-Based Capital | 14.67% | 16.36% | 16.67% | 16.98% | 15.53% | +86 bps | |
| Equity / Assets | 9.99% | 10.18% | 10.38% | 10.45% | 9.94% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.12% | 77.80% | 79.11% | 80.20% | 81.06% | -605 bps | |
| Liquid Assets / Assets | 20.40% | 26.55% | 25.48% | 24.84% | 24.25% | +385 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |