Lyons, KS · Cert 15604
FDIC · 2 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Lyons, KS · Cert 15604
FDIC · 2 branches
Q2 2019
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.17% | 2.05% | 1.54% | 1.34% | 1.23% | 1.00% | 1.19% | -36 bps | |
| Return on Equity | 10.50% | 10.01% | 17.27% | 13.03% | 11.30% | 10.31% | 8.15% | 9.50% | -352 bps | |
| Net Interest Margin | 3.51% | 3.53% | 4.42% | 3.97% | 3.86% | 3.77% | 3.41% | 3.43% | -54 bps | |
| Efficiency Ratio | 69.57% | 70.57% | 60.06% | 62.32% | 67.70% | 69.28% | 75.26% | 72.47% | +1,015 bps | |
| Non-Interest Burden | 2.28% | 2.35% | 2.27% | 2.36% | 2.43% | 2.46% | 2.42% | 2.29% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | 0.29% | -2.81% | -1.92% | -1.59% | -0.03% | 0.90% | 1.64% | +356 bps | |
| Loan Growth (YoY) | -11.79% | -10.50% | -7.04% | -5.81% | -5.79% | -2.90% | -6.29% | -2.32% | +348 bps | |
| Deposit Growth (YoY) | 2.26% | 1.62% | -0.21% | -3.42% | 1.40% | 0.34% | 0.20% | 2.34% | +576 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.79% | 0.61% | 0.62% | 0.36% | 0.18% | 0.18% | 0.14% | 0.06% | -31 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.05% | -0.85% | -0.40% | -0.01% | 0.28% | 0.08% | 0.01% | +41 bps | |
| Allowance / Loans | 1.95% | 1.98% | 2.21% | 2.25% | 2.08% | 1.77% | 1.82% | 1.81% | -44 bps | |
| Allowance Coverage of NPLs | 2.5x | 3.2x | 3.6x | 6.2x | 11.7x | 9.8x | 12.7x | 31.7x | +25.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 12.11% | 12.44% | 12.39% | 12.71% | 12.92% | 12.60% | 12.87% | +48 bps | |
| Total Risk-Based Capital | 18.42% | 18.99% | 20.06% | 20.36% | 21.75% | 21.50% | 20.95% | 21.17% | +81 bps | |
| Equity / Assets | 12.09% | 11.88% | 11.82% | 11.88% | 11.89% | 12.11% | 12.39% | 13.05% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.47% | 70.41% | 69.51% | 70.85% | 69.19% | 68.14% | 65.01% | 67.62% | -323 bps | |
| Liquid Assets / Assets | 7.36% | 7.25% | 7.81% | 7.34% | 6.61% | 6.52% | 6.51% | 5.96% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |