Gorham, KS · Cert 17114
FDIC · 2 branches
Q1 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.14% | 0.05% | 0.89% | 0.79% | 1.00% | 1.33% | 2.05% | +116 bps | |
| Return on Equity | 10.17% | 10.50% | 0.49% | 8.60% | 7.86% | 9.90% | 13.22% | 19.08% | +1,048 bps | |
| Net Interest Margin | 3.07% | 3.16% | 3.26% | 2.74% | 2.63% | 2.92% | 3.48% | 3.75% | +101 bps | |
| Efficiency Ratio | 60.71% | 57.59% | 73.27% | 60.86% | 62.67% | 59.52% | 61.41% | 42.59% | -1,826 bps | |
| Non-Interest Burden | 1.73% | 1.70% | 2.31% | 1.56% | 1.55% | 1.62% | 2.04% | 1.44% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.88% | 18.12% | 12.66% | 15.04% | 14.57% | 16.74% | 16.59% | 0.48% | -1,456 bps | |
| Loan Growth (YoY) | 9.75% | 2.83% | -3.30% | -0.33% | -0.08% | 1.51% | 6.73% | 9.81% | +1,014 bps | |
| Deposit Growth (YoY) | 17.06% | 19.43% | 13.27% | 15.71% | 15.54% | 17.97% | 17.55% | -0.77% | -1,648 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.38% | 2.36% | 2.15% | 2.07% | 1.92% | 1.86% | 1.29% | 1.49% | -58 bps | |
| Net Charge-Offs / Loans | 0.07% | -0.02% | 0.00% | -0.30% | 0.00% | 0.00% | -0.38% | 0.00% | +30 bps | |
| Allowance / Loans | 1.16% | 1.23% | 1.44% | 1.47% | 1.38% | 1.35% | 1.52% | 1.42% | -4 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.7x | 0.7x | 0.7x | 0.7x | 1.2x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.01% | 10.91% | 10.90% | 10.34% | 10.27% | 10.39% | 10.21% | 11.02% | +68 bps | |
| Total Risk-Based Capital | 19.91% | 19.74% | 21.27% | 20.50% | 20.18% | 19.86% | 10.21% | 11.02% | -948 bps | |
| Equity / Assets | 10.97% | 10.79% | 10.89% | 9.89% | 10.26% | 9.89% | 10.31% | 11.16% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.94% | 64.33% | 58.45% | 53.40% | 57.89% | 55.35% | 53.07% | 59.09% | +569 bps | |
| Liquid Assets / Assets | 32.79% | 34.44% | 41.94% | 47.10% | 41.56% | 27.75% | 28.31% | 26.88% | -2,022 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |