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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | 0.21%1 | 0.01%1 | 0.57% | -0.07% | +70 bps | |
| Return on Equity | -9.30% | 2.52% | 0.13% | 4.90% | -0.53% | +878 bps | |
| Net Interest Margin | 3.28% | 3.45% | 3.49% | 3.04% | 2.85% | -43 bps | |
| Efficiency Ratio | 97.58% | 82.42% | 84.50% | 83.17% | 102.54% | +496 bps | |
| Non-Interest Burden | 3.20% | 2.78% | 2.88% | 2.46% | 2.93% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.43% | -9.65% | -13.28% | -4.14% | -2.88% | +154 bps | |
| Loan Growth (YoY) | -10.41% | -12.61% | -16.32% | -22.99% | -8.21% | +220 bps | |
| Deposit Growth (YoY) | -1.78% | -2.78% | -7.45% | -4.54% | -6.33% | -455 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 2.06% | 2.55% | +255 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.77% | 0.61% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.85% | 1.24% | 1.65% | 0.00% | 0.00% | -185 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.0x | 0.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.57% | 8.74% | 8.69% | 15.16% | 14.56% | +699 bps | |
| Total Risk-Based Capital | 12.98% | 13.62% | 13.59% | 21.22% | 20.45% | +747 bps | |
| Equity / Assets | 8.21% | 8.74% | 8.63% | 14.32% | 15.01% | +680 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.58% | 93.26% | 94.49% | 82.99% | 86.80% | -178 bps | |
| Liquid Assets / Assets | 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 |