Alta Vista, KS · Cert 17920
FDIC · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Alta Vista, KS · Cert 17920
FDIC · 1 branch
Q2 2016
Market Position · Topeka, KS · 2016 SOD (annual) · 0.3% share · #30 of 38 inst. · $0.0B of $5.1B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.75% | 0.70% | 0.77% | 0.77% | 0.83% | 1.69% | 1.24% | +48 bps | |
| Return on Equity | 7.97% | 5.87% | 5.33% | 5.81% | 5.73% | 6.12% | 11.92% | 8.59% | +278 bps | |
| Net Interest Margin | 3.07% | 2.96% | 2.95% | 3.01% | 3.05% | 3.03% | 3.25% | 3.33% | +32 bps | |
| Efficiency Ratio | 73.29% | 75.84% | 77.22% | 74.30% | 73.27% | 71.64% | 65.93% | 64.21% | -1,010 bps | |
| Non-Interest Burden | 2.18% | 2.18% | 2.22% | 2.17% | 2.14% | 2.08% | 1.98% | 1.96% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.72% | 2.83% | 3.15% | -0.20% | -4.73% | -2.58% | -2.70% | -2.23% | -203 bps | |
| Loan Growth (YoY) | 12.77% | 0.86% | 3.72% | -2.46% | -4.52% | 4.83% | 9.05% | 19.12% | +2,158 bps | |
| Deposit Growth (YoY) | 8.93% | 4.71% | 0.49% | -0.55% | -7.66% | -3.30% | -2.39% | -5.50% | -496 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 | -0.30% | -0.24% | 0.11% | -0.21% | 1.66% | 1.06% | 0.00% | 0.00% | +21 bps | |
| Allowance / Loans | 2.32% | 2.44% | 2.41% | 2.56% | 1.19% | 1.27% | 1.22% | 1.13% | -143 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 | 12.71% | 13.28% | 13.65% | 13.52% | 13.67% | 13.92% | +64 bps | |
| Total Risk-Based Capital | 31.31% | 30.95% | 31.91% | 33.68% | 34.10% | 33.57% | 32.64% | 46.10% | +1,242 bps | |
| Equity / Assets | 12.96% | 13.09% | 13.23% | 13.36% | 13.98% | 13.91% | 14.39% | 15.18% | +182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.73% | 44.27% | 45.22% | 45.34% | 47.28% | 47.98% | 50.52% | 57.16% | +1,181 bps | |
| Liquid Assets / Assets | 0.00% | 1.24% | 1.26% | 1.29% | 1.31% | 1.28% | 1.29% | 1.32% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |