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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.77% | 0.83% | 1.69% | 1.24% | +48 bps | |
| Return on Equity | 5.81% | 5.73% | 6.12% | 11.92% | 8.59% | +278 bps | |
| Net Interest Margin | 3.01% | 3.05% | 3.03% | 3.25% | 3.33% | +32 bps | |
| Efficiency Ratio | 74.30% | 73.27% | 71.64% | 65.93% | 64.21% | -1,010 bps | |
| Non-Interest Burden | 2.17% | 2.14% | 2.08% | 1.98% | 1.96% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.20% | -4.73% | -2.58% | -2.70% | -2.23% | -203 bps | |
| Loan Growth (YoY) | -2.46% | -4.52% | 4.83% | 9.05% | 19.12% | +2,158 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.21% | 1.66% | 1.06% | 0.00% | 0.00% | +21 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.28% | 13.65% | 13.52% | 13.67% | 13.92% | +64 bps | |
| Total Risk-Based Capital | 33.68% | 34.10% | 33.57% | 32.64% | 46.10% | +1,242 bps | |
| Equity / Assets | 13.36% | 13.98% | 13.91% | 14.39% | 15.18% | +182 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.34% | 47.28% | 47.98% | 50.52% | 57.16% | +1,181 bps | |
| Liquid Assets / Assets | 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 |