Americus, KS · Cert 13957
FDIC · 2 branches
Q2 2024
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.33% | -0.95% | -1.09% | -0.91% | -1.12% | -1.79% | -1.88% | -79 bps | |
| Return on Equity | -3.05% | -4.61% | -16.18% | -19.40% | -16.96% | -20.78% | -34.15% | -36.97% | -1,757 bps | |
| Net Interest Margin | 2.10% | 2.20% | 2.04% | 1.85% | 1.74% | 1.62% | 1.48% | 1.33% | -52 bps | |
| Efficiency Ratio | 136.83% | 133.64% | 141.75% | 152.50% | 139.67% | 151.64% | 208% | 224% | +7,165 bps | |
| Non-Interest Burden | 2.93% | 2.98% | 2.95% | 2.90% | 2.62% | 2.67% | 3.27% | 3.19% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.20% | -9.32% | -0.33% | 2.52% | 6.73% | 9.90% | -3.35% | -4.67% | -719 bps | |
| Loan Growth (YoY) | 9.90% | 21.82% | 45.21% | 31.57% | 29.96% | 21.09% | -0.83% | 0.34% | -3,123 bps | |
| Deposit Growth (YoY) | 2.80% | -6.14% | -4.80% | -9.49% | -7.21% | -4.01% | -3.33% | -4.29% | +520 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.29% | 4.97% | 4.01% | 3.78% | 3.60% | 3.56% | 2.17% | 1.14% | -264 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.08% | 0.00% | -0.01% | 0.00% | -0.01% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 3.05% | 2.95% | 2.45% | 2.44% | 2.41% | 2.45% | 2.48% | 2.35% | -10 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.6x | 0.7x | 0.7x | 1.1x | 2.1x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.94% | 9.06% | 8.64% | 8.09% | 7.99% | 7.47% | 7.19% | 6.52% | -157 bps | |
| Total Risk-Based Capital | 23.38% | 22.30% | 18.06% | 17.34% | 16.59% | 16.13% | 15.60% | 14.26% | -308 bps | |
| Equity / Assets | 5.20% | 6.02% | 5.78% | 5.15% | 4.62% | 5.43% | 5.06% | 4.77% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.73% | 53.95% | 62.62% | 66.35% | 68.25% | 68.07% | 64.24% | 69.56% | +320 bps | |
| Liquid Assets / Assets | 3.47% | 0.13% | 1.20% | 0.68% | 0.05% | 0.03% | 0.12% | 0.18% | -50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |