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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | 0.67% | 0.67% | 0.61% | -6.37% | -2.16% | -13.71% | -15.93% | -1,653 bps | |
| Return on Equity | -10.38% | 8.77% | 8.42% | 7.32% | -84.42% | -34.29% | -306% | -1718% | -172,546 bps | |
| Net Interest Margin | 4.66% | 4.65% | 4.77% | 4.43% | 2.77% | 3.72% | 3.51% | 3.27% | -115 bps | |
| Efficiency Ratio | 82.47% | 84.63% | 81.40% | 93.29% | 161.95% | 126.03% | 143.77% | 148.15% | +5,486 bps | |
| Non-Interest Burden | 3.73% | 3.87% | 3.79% | 4.05% | 4.82% | 4.77% | 5.29% | 5.07% | +102 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 | 0.04% | -0.03% | 0.74% | 0.03% | 0.17% | 1.11% | 13.73% | 13.07% | +1,304 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 |