Argonia, KS · Cert 17719
FDIC · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 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.
Argonia, KS · Cert 17719
FDIC · 2 branches
Q3 2017
Market Position · Wichita, KS · 2017 SOD (annual) · 0.2% share · #46 of 55 inst. · $0.0B of $15.3B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.67% | 0.67% | 0.65% | -1.06% | -2.16% | -7.92% | -10.49% | -1,114 bps | |
| Return on Equity | 2.70% | 8.77% | 8.59% | 8.17% | -13.86% | -34.29% | -152.33% | -283% | -29,097 bps | |
| Net Interest Margin | 4.58% | 4.65% | 4.76% | 4.76% | 4.21% | 3.72% | 3.64% | 3.60% | -115 bps | |
| Efficiency Ratio | 82.77% | 84.63% | 83.00% | 86.49% | 99.31% | 126.03% | 134.85% | 138.95% | +5,246 bps | |
| Non-Interest Burden | 3.70% | 3.87% | 3.87% | 4.02% | 4.18% | 4.77% | 5.06% | 5.17% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.22% | 2.40% | 1.46% | -2.40% | -4.91% | -0.62% | -5.93% | -5.19% | -280 bps | |
| Loan Growth (YoY) | 4.88% | 4.70% | 3.83% | 1.28% | -1.19% | -0.49% | -8.59% | -22.73% | -2,401 bps | |
| Deposit Growth (YoY) | 0.41% | 1.07% | -2.21% | -6.30% | -6.98% | -7.57% | -5.40% | -9.93% | -363 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 12.65% | 12.72% | 11.54% | +1,154 bps | |
| Net Charge-Offs / Loans | 0.09% | -0.03% | 0.36% | 0.26% | 0.23% | 1.11% | 7.47% | 10.45% | +1,020 bps | |
| Allowance / Loans | 2.11% | 2.18% | 1.99% | 2.05% | 3.88% | 3.96% | 3.41% | 6.05% | +400 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.3x | 0.3x | 0.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.59% | 7.59% | 7.92% | 8.35% | 6.67% | 6.09% | 2.77% | -1.27% | -962 bps | |
| Total Risk-Based Capital | 11.58% | 11.96% | 12.16% | 12.49% | 10.35% | 9.63% | 5.47% | -0.95% | -1,344 bps | |
| Equity / Assets | 7.40% | 7.82% | 8.07% | 8.52% | 6.61% | 5.99% | 2.88% | -1.09% | -961 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.47% | 92.93% | 98.59% | 97.71% | 103.54% | 100.04% | 95.27% | 83.82% | -1,388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |