Greensburg, KS · Cert 14315
FDIC · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Greensburg, KS · Cert 14315
FDIC · 1 branch
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.89% | 0.74% | 0.74% | 1.31% | 1.31% | 1.10% | 0.85% | +11 bps | |
| Return on Equity | 4.66% | 5.26% | 4.27% | 4.28% | 7.12% | 6.88% | 5.63% | 4.42% | +13 bps | |
| Net Interest Margin | 2.36% | 2.47% | 2.53% | 2.58% | 2.43% | 2.46% | 2.45% | 2.41% | -17 bps | |
| Efficiency Ratio | 63.86% | 63.61% | 64.20% | 67.49% | 70.90% | 70.92% | 73.58% | 79.66% | +1,217 bps | |
| Non-Interest Burden | 1.44% | 1.51% | 1.56% | 1.69% | 1.65% | 1.68% | 1.75% | 1.88% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.15% | 4.43% | 5.30% | -0.56% | -6.04% | -3.62% | -3.70% | -5.62% | -507 bps | |
| Loan Growth (YoY) | -1.20% | -0.04% | 2.38% | 13.95% | 6.87% | 3.70% | 4.65% | -8.88% | -2,282 bps | |
| Deposit Growth (YoY) | 6.09% | 2.70% | 2.70% | -2.32% | -8.87% | -7.19% | -6.20% | -6.66% | -434 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.22% | 1.08% | 0.70% | 0.47% | 0.00% | 0.16% | 0.15% | 0.21% | -26 bps | |
| Allowance / Loans | 1.36% | 1.33% | 1.37% | 1.23% | 1.30% | 1.22% | 1.20% | 1.14% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.96% | 17.86% | 18.29% | 18.85% | 18.60% | 19.43% | 20.05% | 20.31% | +146 bps | |
| Total Risk-Based Capital | 53.44% | 54.54% | 57.80% | 53.58% | 58.77% | 60.08% | 61.54% | 57.84% | +426 bps | |
| Equity / Assets | 17.32% | 17.40% | 18.46% | 17.36% | 19.57% | 20.34% | 20.84% | 18.65% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 16.29% | 17.27% | 17.69% | 17.95% | 19.11% | 19.29% | 19.74% | 17.52% | -43 bps | |
| Liquid Assets / Assets | 9.68% | 9.95% | 9.70% | 7.45% | 8.09% | 8.11% | 6.40% | 5.75% | -170 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |