Reading, KS · Cert 17366
FDIC · 2 branches
Q1 2015
Market Position · Topeka, KS · 2014 SOD (annual) · 0.1% share · #38 of 39 inst. · $0.0B of $4.9B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.70% | -3.88% | -3.68% | -3.59% | -3.76% | -4.08% | -4.24% | -3.79% | -20 bps | |
| Return on Equity | -42.73% | -35.27% | -33.47% | -33.66% | -36.59% | -38.24% | -38.35% | -24.88% | +877 bps | |
| Net Interest Margin | 3.26% | 3.17% | 3.29% | 2.68% | 2.64% | 3.09% | 3.75% | 3.77% | +109 bps | |
| Efficiency Ratio | 165.96% | 168.34% | 175.10% | 241% | 257% | 258% | 258% | 155.00% | -8,630 bps | |
| Non-Interest Burden | 5.43% | 5.38% | 5.82% | 6.24% | 6.43% | 7.72% | 9.48% | 7.54% | +129 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -38.26% | -30.28% | -23.51% | -21.15% | -15.15% | -38.11% | -44.29% | -59.55% | -3,841 bps | |
| Loan Growth (YoY) | -36.73% | -38.91% | -39.92% | -36.81% | -36.60% | -38.14% | -34.84% | -33.69% | +312 bps | |
| Deposit Growth (YoY) | -38.74% | -31.02% | -22.93% | -21.09% | -13.82% | -39.09% | -45.81% | -62.87% | -4,179 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 | 0.00% | -0.19% | -0.19% | 0.00% | 0.00% | 0.00% | -1.36% | 0.00% | 0 bps | |
| Allowance / Loans | 6.25% | 7.86% | 9.05% | 9.29% | 10.06% | 12.70% | 15.25% | 15.38% | +609 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 | n/a | 14.68% | n/a | n/a |
| Total Risk-Based Capital | 19.21% | 21.53% | 23.17% | 21.76% | 23.98% | 27.47% | 29.19% | 32.12% | +1,036 bps | |
| Equity / Assets | 10.90% | 10.99% | 11.06% | 10.28% | 9.51% | 12.41% | 13.49% | 17.66% | +738 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.51% | 61.38% | 57.50% | 56.18% | 52.61% | 62.34% | 69.14% | 100.33% | +4,415 bps | |
| Liquid Assets / Assets | 32.69% | 40.34% | 45.78% | 46.23% | 47.29% | 40.76% | 37.50% | 25.49% | -2,074 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |