Oskaloosa, KS · Cert 16205
FDIC · 1 branch
Q2 2015
Market Position · Topeka, KS · 2015 SOD (annual) · 0.6% share · #28 of 38 inst. · $0.0B of $4.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.03% | 0.06% | 0.06% | 0.01% | 0.06% | 0.08% | 0.00% | -6 bps | |
| Return on Equity | -0.68% | -0.34% | 0.68% | 0.68% | 0.17% | 0.68% | 1.01% | 0.00% | -68 bps | |
| Net Interest Margin | 2.21% | 2.16% | 1.94% | 1.98% | 2.04% | 2.04% | 1.96% | 1.91% | -7 bps | |
| Efficiency Ratio | 101.99% | 100.99% | 97.97% | 97.98% | 99.01% | 98.07% | 97.03% | 100.00% | +202 bps | |
| Non-Interest Burden | 2.27% | 2.19% | 1.88% | 1.93% | 2.01% | 1.98% | 1.88% | 1.91% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.92% | 2.72% | 2.85% | 0.33% | 5.24% | 6.41% | -0.38% | 4.49% | +417 bps | |
| Loan Growth (YoY) | -1.91% | -2.10% | -4.41% | -3.41% | -3.26% | -2.71% | -1.13% | -1.73% | +168 bps | |
| Deposit Growth (YoY) | -0.97% | 3.00% | 3.15% | -0.69% | 5.88% | 6.93% | -0.50% | 6.02% | +670 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 | -0.05% | 0.21% | 0.38% | 0.11% | -0.11% | -0.05% | -0.06% | 0.00% | -11 bps | |
| Allowance / Loans | 1.17% | 1.13% | 1.06% | 1.04% | 1.06% | 1.08% | 1.10% | 1.11% | +7 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 | n/a | n/a | n/a | 8.00% | 8.01% | n/a | |
| Total Risk-Based Capital | 28.48% | 41.67% | 42.27% | 43.42% | 43.03% | 41.44% | 43.29% | 44.19% | +77 bps | |
| Equity / Assets | 8.84% | 8.63% | 8.06% | 8.32% | 8.42% | 8.15% | 8.14% | 8.00% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.44% | 30.38% | 27.32% | 28.63% | 28.72% | 27.64% | 27.14% | 26.54% | -209 bps | |
| Liquid Assets / Assets | 68.48% | 67.52% | 68.52% | 70.63% | 69.66% | 67.32% | 69.47% | 69.97% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |