Topeka, KS · Cert 16803
FDIC · 10 branches
Q2 2018
Market Position · Topeka, KS · 2018 SOD (annual) · 5.9% share · #4 of 38 inst. · $0.3B of $5.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.68% | 0.63% | 0.72% | 0.76% | 0.09% | 0.96% | 1.07% | +35 bps | |
| Return on Equity | 7.83% | 8.23% | 7.81% | 8.93% | 9.19% | 1.14% | 11.59% | 12.89% | +396 bps | |
| Net Interest Margin | 3.15% | 3.11% | 3.05% | 3.13% | 3.19% | 3.25% | 3.37% | 3.45% | +32 bps | |
| Efficiency Ratio | 75.03% | 75.67% | 76.18% | 73.86% | 72.86% | 74.54% | 72.00% | 69.17% | -469 bps | |
| Non-Interest Burden | 2.16% | 2.16% | 2.16% | 2.11% | 2.12% | 2.24% | 2.20% | 2.12% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.05% | 2.28% | 3.93% | 3.63% | 3.91% | -1.64% | -2.61% | -2.70% | -634 bps | |
| Loan Growth (YoY) | 6.32% | 3.85% | 4.41% | 3.09% | 6.18% | 4.05% | 6.62% | 6.98% | +390 bps | |
| Deposit Growth (YoY) | 9.69% | 9.88% | 4.61% | 3.70% | 4.75% | -3.34% | -3.96% | -1.07% | -477 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.25% | 0.45% | 0.16% | 0.12% | 0.12% | 0.00% | -45 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.02% | -0.10% | 0.01% | 0.01% | 0.02% | -0.01% | 0.11% | +10 bps | |
| Allowance / Loans | 1.03% | 1.02% | 1.04% | 1.03% | 1.01% | 1.01% | 0.96% | 0.93% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 4.1x | 2.3x | 6.2x | 8.8x | 8.2x | 257.4x | +255.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.46% | 8.45% | 8.22% | 8.31% | 8.44% | 8.47% | 8.58% | 8.80% | +49 bps | |
| Total Risk-Based Capital | 12.73% | 12.72% | 12.33% | 12.50% | 12.65% | 12.67% | 12.56% | 12.36% | -14 bps | |
| Equity / Assets | 8.57% | 8.08% | 7.96% | 8.21% | 8.26% | 8.35% | 8.21% | 8.42% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.95% | 71.89% | 72.00% | 74.37% | 73.95% | 77.38% | 79.94% | 80.42% | +605 bps | |
| Liquid Assets / Assets | 1.51% | 0.59% | 0.70% | 0.82% | 0.81% | 0.99% | 1.06% | 0.91% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |