Seneca, KS · Cert 15257
FDIC · 1 branch
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 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.
Seneca, KS · Cert 15257
FDIC · 1 branch
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.61% | 0.57% | 0.44% | 0.57% | 0.60% | 0.46% | 0.63% | +19 bps | |
| Return on Equity | 5.71% | 7.26% | 6.65% | 4.84% | 6.36% | 6.65% | 5.06% | 7.03% | +219 bps | |
| Net Interest Margin | 2.94% | 2.99% | 3.06% | 2.88% | 3.05% | 3.03% | 3.12% | 3.02% | +14 bps | |
| Efficiency Ratio | 84.19% | 77.88% | 80.79% | 84.19% | 78.98% | 74.58% | 74.48% | 76.74% | -745 bps | |
| Non-Interest Burden | 2.45% | 2.25% | 2.41% | 2.40% | 2.38% | 2.21% | 2.28% | 2.29% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.06% | 5.23% | 3.04% | -0.83% | 3.37% | 1.45% | 3.50% | 11.48% | +1,230 bps | |
| Loan Growth (YoY) | 14.38% | 15.47% | 8.84% | 8.30% | 10.94% | 1.32% | 3.96% | -1.21% | -950 bps | |
| Deposit Growth (YoY) | 4.61% | 5.30% | 6.02% | -1.80% | 1.13% | 1.32% | 9.29% | 12.97% | +1,477 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 | -0.08% | -0.02% | -0.02% | 0.15% | 0.06% | 0.03% | 0.02% | -0.03% | -19 bps | |
| Allowance / Loans | 1.13% | 1.04% | 1.06% | 1.02% | 0.98% | 1.06% | 1.12% | 1.19% | +17 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 | n/a | n/a | n/a | 8.94% | 9.23% | 9.05% | 9.14% | 8.56% | -38 bps | |
| Total Risk-Based Capital | 15.33% | 15.34% | 16.11% | 16.65% | 17.17% | 15.56% | 16.02% | 16.07% | -58 bps | |
| Equity / Assets | 8.68% | 8.82% | 8.91% | 9.32% | 8.77% | 9.37% | 9.03% | 8.88% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.18% | 67.50% | 69.17% | 67.46% | 71.50% | 67.50% | 65.79% | 58.99% | -846 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |