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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 1.34% | 1.23% | 1.00% | 1.19% | -36 bps | |
| Return on Equity | 13.03% | 11.30% | 10.31% | 8.15% | 9.50% | -352 bps | |
| Net Interest Margin | 3.97% | 3.86% | 3.77% | 3.41% | 3.43% | -54 bps | |
| Efficiency Ratio | 62.32% | 67.70% | 69.28% | 75.26% | 72.47% | +1,015 bps | |
| Non-Interest Burden | 2.36% | 2.43% | 2.46% | 2.42% | 2.29% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.92% | -1.59% | -0.03% | 0.90% | 1.64% | +356 bps | |
| Loan Growth (YoY) | -5.81% | -5.79% | -2.90% | -6.29% | -2.32% | +348 bps | |
| Deposit Growth (YoY) | -3.42% | 1.40% | 0.34% | 0.20% | 2.34% | +576 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.18% | 0.18% | 0.14% | 0.06% | -31 bps | |
| Net Charge-Offs / Loans | -0.40% | -0.01% | 0.28% | 0.08% | 0.01% | +41 bps | |
| Allowance / Loans | 2.25% | 2.08% | 1.77% | 1.82% | 1.81% | -44 bps | |
| Allowance Coverage of NPLs | 6.2x | 11.7x | 9.8x | 12.7x | 31.7x | +25.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.39% | 12.71% | 12.92% | 12.60% | 12.87% | +48 bps | |
| Total Risk-Based Capital | 20.36% | 21.75% | 21.50% | 20.95% | 21.17% | +81 bps | |
| Equity / Assets | 11.88% | 11.89% | 12.11% | 12.39% | 13.05% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.85% | 69.19% | 68.14% | 65.01% | 67.62% | -323 bps | |
| Liquid Assets / Assets | 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 |