Morland, KS · Cert 17602
FDIC · 3 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Morland, KS · Cert 17602
FDIC · 3 branches
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.55% | 0.75% | -0.77% | 0.21%1 | 0.01%1 | 0.57% | -0.07% | +70 bps | |
| Return on Equity | 9.16% | 6.61% | 9.04% | -9.30% | 2.52% | 0.13% | 4.90% | -0.53% | +878 bps | |
| Net Interest Margin | 3.37% | 3.36% | 3.43% | 3.28% | 3.45% | 3.49% | 3.04% | 2.85% | -43 bps | |
| Efficiency Ratio | 77.66% | 77.68% | 76.24% | 97.58% | 82.42% | 84.50% | 83.17% | 102.54% | +496 bps | |
| Non-Interest Burden | 2.53% | 2.49% | 2.53% | 3.20% | 2.78% | 2.88% | 2.46% | 2.93% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.14% | 0.08% | 2.11% | -4.43% | -9.65% | -13.28% | -4.14% | -2.88% | +154 bps | |
| Loan Growth (YoY) | 12.15% | 6.69% | 8.99% | -10.41% | -12.61% | -16.32% | -22.99% | -8.21% | +220 bps | |
| Deposit Growth (YoY) | -1.19% | -1.80% | -4.30% | -1.78% | -2.78% | -7.45% | -4.54% | -6.33% | -455 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.06% | 2.55% | +255 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.03% | 0.00% | 0.00% | 0.77% | 0.61% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 1.12% | 1.11% | 1.85% | 1.24% | 1.65% | 0.00% | 0.00% | -185 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.0x | 0.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 8.40% | 8.25% | 7.57% | 8.74% | 8.69% | 15.16% | 14.56% | +699 bps | |
| Total Risk-Based Capital | 13.08% | 13.12% | 12.51% | 12.98% | 13.62% | 13.59% | 21.22% | 20.45% | +747 bps | |
| Equity / Assets | 8.46% | 8.44% | 8.22% | 8.21% | 8.74% | 8.63% | 14.32% | 15.01% | +680 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.76% | 104.51% | 102.87% | 88.58% | 93.26% | 94.49% | 82.99% | 86.80% | -178 bps | |
| Liquid Assets / Assets | 8.74% | 8.78% | 8.36% | 15.06% | 6.48% | 6.78% | 11.61% | 7.84% | -722 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |