Blue Rapids, KS · Cert 15057
FDIC · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Blue Rapids, KS · Cert 15057
FDIC · 1 branch
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.52% | 0.60% | 0.50% | 0.46% | 0.39% | 0.53% | 0.36% | -14 bps | |
| Return on Equity | 5.18% | 5.11% | 5.50% | 4.55% | 4.16% | 3.56% | 4.85% | 3.25% | -130 bps | |
| Net Interest Margin | 2.71% | 2.77% | 2.80% | 2.78% | 2.74% | 2.71% | 2.75% | 2.84% | +5 bps | |
| Efficiency Ratio | 82.12% | 81.60% | 79.50% | 80.54% | 80.13% | 82.77% | 83.01% | 80.83% | +29 bps | |
| Non-Interest Burden | 2.17% | 2.20% | 2.16% | 2.18% | 2.13% | 2.18% | 2.23% | 2.22% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.62% | -4.49% | -10.15% | -3.82% | 0.32% | 0.61% | 1.50% | -1.37% | +244 bps | |
| Loan Growth (YoY) | -0.40% | 2.30% | 7.51% | 0.98% | -0.21% | 2.38% | 0.77% | 2.04% | +106 bps | |
| Deposit Growth (YoY) | -1.38% | -5.35% | -11.59% | -4.84% | 0.08% | 0.66% | 1.70% | -1.38% | +346 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.77% | 0.89% | +89 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.03% | 0.29% | +29 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.04% | 1.06% | 1.05% | 1.01% | 1.03% | 0.99% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.3x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.65% | 10.93% | 10.96% | 11.05% | 10.89% | 10.72% | 10.92% | 11.19% | +14 bps | |
| Total Risk-Based Capital | 21.06% | 20.93% | 21.71% | 21.85% | 21.60% | 20.84% | 22.04% | 21.96% | +11 bps | |
| Equity / Assets | 10.88% | 10.67% | 11.24% | 11.10% | 11.08% | 10.66% | 11.07% | 11.14% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.74% | 59.25% | 61.17% | 59.02% | 59.57% | 60.26% | 60.61% | 61.07% | +205 bps | |
| Liquid Assets / Assets | 0.58% | 0.50% | 0.52% | 0.50% | 0.51% | 0.43% | 0.44% | 0.44% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |