Hillsboro, KS · Cert 14084
FDIC · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.21% | -0.06% | 0.30% | 0.46% | 0.70% | 0.45% | 1.45% | +116 bps | |
| Return on Equity | 4.06% | 2.18% | -0.60% | 3.48% | 5.60% | 8.05% | 5.26% | 19.62% | +1,614 bps | |
| Net Interest Margin | 3.00% | 2.54% | 2.35% | 2.40% | 2.55% | 2.70% | 2.36% | 4.07% | +167 bps | |
| Efficiency Ratio | 83.53% | 91.57% | 103.33% | 85.28% | 79.44% | 69.28% | 86.08% | 49.02% | -3,626 bps | |
| Non-Interest Burden | 2.43% | 2.28% | 2.44% | 1.98% | 1.93% | 1.77% | 1.97% | 1.81% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.48% | 13.75% | 27.55% | 23.98% | 5.29% | 3.04% | 3.53% | -3.66% | -2,764 bps | |
| Loan Growth (YoY) | -0.63% | -7.86% | -7.88% | -13.76% | -19.91% | -12.42% | -13.06% | -18.03% | -427 bps | |
| Deposit Growth (YoY) | 26.39% | 14.09% | 30.60% | 27.61% | 6.65% | 4.14% | 4.63% | -2.34% | -2,995 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.59% | 11.00% | 11.79% | 12.38% | 15.53% | 12.07% | 11.27% | 0.00% | -1,238 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.00% | 2.13% | 2.33% | 2.50% | 2.69% | 2.56% | 2.77% | 3.10% | +60 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.04% | 8.77% | 8.93% | 8.42% | 7.99% | 9.13% | 8.77% | 9.12% | +70 bps | |
| Total Risk-Based Capital | 9.04% | 21.21% | 22.41% | 21.25% | 21.11% | 9.13% | 21.99% | 9.12% | -1,213 bps | |
| Equity / Assets | 9.20% | 9.73% | 9.05% | 8.07% | 8.50% | 8.97% | 8.20% | 6.61% | -145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.95% | 44.46% | 38.49% | 33.85% | 33.01% | 37.39% | 31.98% | 28.41% | -544 bps | |
| Liquid Assets / Assets | 36.56% | 46.64% | 40.35% | 38.77% | 35.43% | 33.12% | 27.77% | 31.78% | -699 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |