Burden, KS · Cert 14944
FDIC · 2 branches
Q1 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2023, the quarter ended March 31, 2023, 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.
Burden, KS · Cert 14944
FDIC · 2 branches
Q1 2023
Market Position · Wichita, KS · 2022 SOD (annual) · 0.0% share · #44 of 46 inst. · $0.0B of $21.1B
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.97% | 0.81% | 0.63% | 0.59% | 0.68% | 0.80% | -1.08% | -171 bps | |
| Return on Equity | 8.99% | 9.64% | 8.05% | 6.09% | 5.69% | 6.52% | 7.58% | -9.99% | -1,608 bps | |
| Net Interest Margin | 3.43% | 3.62% | 3.43% | 2.99% | 3.13% | 3.26% | 3.53% | 4.33% | +134 bps | |
| Efficiency Ratio | 71.84% | 70.20% | 74.14% | 78.39% | 78.03% | 76.18% | 73.14% | 119.01% | +4,062 bps | |
| Non-Interest Burden | 2.35% | 2.42% | 2.44% | 2.23% | 2.33% | 2.38% | 2.46% | 5.23% | +300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.74% | 14.85% | 12.02% | 0.17% | 2.31% | 1.18% | -1.24% | 2.06% | +189 bps | |
| Loan Growth (YoY) | -1.80% | -11.74% | -8.29% | -11.16% | -6.10% | 0.55% | 5.54% | 6.53% | +1,769 bps | |
| Deposit Growth (YoY) | 12.78% | 15.46% | 12.40% | -0.51% | 2.19% | 0.84% | -2.19% | 2.16% | +267 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.14% | 0.15% | 0.68% | 1.10% | 0.36% | 0.34% | 0.42% | 0.80% | -30 bps | |
| Net Charge-Offs / Loans | 0.36% | 0.26% | 0.19% | 0.00% | 0.15% | 0.10% | 0.07% | 0.00% | 0 bps | |
| Allowance / Loans | 1.58% | 1.71% | 1.75% | 1.77% | 1.69% | 1.70% | 1.66% | 1.74% | -4 bps | |
| Allowance Coverage of NPLs | 1.4x | 11.1x | 2.6x | 1.6x | 4.8x | 4.9x | 3.9x | 2.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 10.16% | 10.06% | 10.03% | 10.41% | 10.47% | 11.07% | 10.47% | +44 bps | |
| Total Risk-Based Capital | 21.05% | 22.01% | 22.18% | 22.67% | 22.54% | 23.03% | 23.02% | 24.04% | +138 bps | |
| Equity / Assets | 9.90% | 10.02% | 10.30% | 10.33% | 10.32% | 10.50% | 11.24% | 10.49% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.13% | 52.86% | 53.29% | 52.70% | 52.50% | 52.70% | 57.51% | 54.96% | +225 bps | |
| Liquid Assets / Assets | 41.08% | 44.85% | 45.35% | 45.91% | 46.62% | 41.35% | 36.52% | 21.27% | -2,465 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |