Greensburg, KS · Cert 14315
FDIC · 1 branch
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 1.31% | 1.33% | 0.66% | 0.13% | -64 bps | |
| Return on Equity | 4.32% | 7.12% | 6.66% | 3.18% | 0.66% | -366 bps | |
| Net Interest Margin | 2.59% | 2.43% | 2.43% | 2.32% | 2.19% | -40 bps | |
| Efficiency Ratio | 77.26% | 70.90% | 70.94% | 79.39% | 100.30% | +2,304 bps | |
| Non-Interest Burden | 1.96% | 1.65% | 1.67% | 1.80% | 2.20% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.56% | -6.04% | -3.62% | -3.70% | -5.62% | -507 bps | |
| Loan Growth (YoY) | 13.95% | 6.87% | 3.70% | 4.65% | -8.88% | -2,282 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.32% | 0.14% | 0.38% | +38 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.85% | 18.60% | 19.43% | 20.05% | 20.31% | +146 bps | |
| Total Risk-Based Capital | 53.58% | 58.77% | 60.08% | 61.54% | 57.84% | +426 bps | |
| Equity / Assets | 17.36% | 19.57% | 20.34% | 20.84% | 18.65% | +130 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 17.95% | 19.11% | 19.29% | 19.74% | 17.52% | -43 bps | |
| Liquid Assets / Assets | 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 |