Ludell, KS · Cert 15352
FDIC · 1 branch
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 0.90% | -0.47% | 1.26% | 1.26% | +17 bps | |
| Return on Equity | 10.86% | 8.55% | -4.41% | 11.70% | 11.37% | +51 bps | |
| Net Interest Margin | 2.62% | 2.79% | 2.80% | 2.58% | 3.01% | +39 bps | |
| Efficiency Ratio | 57.69% | 59.79% | 101.10% | 50.89% | 44.02% | -1,367 bps | |
| Non-Interest Burden | 1.38% | 1.53% | 2.83% | 1.20% | 1.04% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.42% | -6.62% | -4.37% | -3.56% | -3.31% | +1,111 bps | |
| Loan Growth (YoY) | -4.16% | -0.20% | 6.69% | 20.54% | 27.12% | +3,128 bps | |
| Deposit Growth (YoY) | -16.32% | -7.96% | -5.51% | -4.74% | -4.52% | +1,180 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% | 0.00% | 0.63% | 0.00% | 0 bps | |
| Allowance / Loans | 2.75% | 2.58% | 2.60% | 2.26% | 2.11% | -64 bps | |
| Allowance Coverage of NPLs | 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 | 10.83% | 11.26% | n/a | |
| Total Risk-Based Capital | 20.95% | 20.35% | 18.90% | 18.99% | 19.04% | -191 bps | |
| Equity / Assets | 10.28% | 10.68% | 10.80% | 10.79% | 11.38% | +110 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.69% | 54.63% | 56.08% | 59.23% | 66.15% | +1,646 bps | |
| Liquid Assets / Assets | 30.43% | 30.48% | 27.69% | 25.57% | 25.74% | -469 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |