Saint Marys, KS · Cert 15312
FDIC · 2 branches
Q2 2018
Market Position · Manhattan, KS · 2018 SOD (annual) · 2.6% share · #10 of 21 inst. · $0.1B of $2.7B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.83% | 1.23% | 1.25% | 1.23% | 1.22% | 1.30% | 0.05% | -120 bps | |
| Return on Equity | 5.96% | 7.25% | 11.19% | 11.05% | 10.79% | 10.58% | 10.85% | 0.43% | -1,063 bps | |
| Net Interest Margin | 3.21% | 3.10% | 3.22% | 3.30% | 3.27% | 3.23% | 3.53% | 3.61% | +31 bps | |
| Efficiency Ratio | 80.57% | 77.53% | 69.12% | 68.19% | 68.25% | 69.12% | 71.80% | 100.20% | +3,200 bps | |
| Non-Interest Burden | 2.45% | 2.24% | 2.00% | 2.02% | 2.00% | 2.00% | 2.36% | 3.62% | +160 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.40% | 5.97% | 5.19% | 1.61% | 2.80% | -1.42% | -1.77% | 0.54% | -107 bps | |
| Loan Growth (YoY) | 6.31% | 8.56% | 4.60% | 3.76% | 0.84% | 3.89% | 7.35% | 4.98% | +123 bps | |
| Deposit Growth (YoY) | 5.94% | 4.17% | 10.04% | 4.13% | 5.44% | 4.04% | 1.01% | 4.77% | +64 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.05% | 0.04% | 0.00% | 0.04% | 0.04% | 0.09% | +5 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.03% | -0.12% | -0.03% | -0.01% | -0.01% | 0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 1.86% | 1.76% | 1.83% | 1.85% | 1.90% | 1.70% | 1.69% | 1.76% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 34.2x | 47.2x | n/a | 43.3x | 43.2x | 19.7x | -27.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.08% | 10.92% | 11.10% | 11.63% | 11.71% | 11.65% | 12.13% | 11.92% | +30 bps | |
| Total Risk-Based Capital | 15.58% | 14.91% | 15.32% | 15.94% | 16.05% | 15.22% | 15.74% | 15.52% | -41 bps | |
| Equity / Assets | 11.40% | 10.80% | 11.26% | 11.91% | 11.65% | 11.83% | 12.04% | 11.66% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.30% | 81.00% | 74.97% | 75.37% | 70.10% | 80.88% | 79.68% | 75.52% | +15 bps | |
| Liquid Assets / Assets | 8.86% | 6.73% | 7.63% | 7.13% | 9.93% | 5.51% | 5.40% | 3.98% | -315 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |