Roxbury, KS · Cert 18074
FDIC · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 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.
Roxbury, KS · Cert 18074
FDIC · 1 branch
Q4 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.07% | 0.93% | 0.97% | 1.56% | 1.47% | 1.42% | 1.46% | +49 bps | |
| Return on Equity | 12.20% | 10.15% | 8.71% | 9.05% | 13.31% | 12.11% | 11.51% | 11.87% | +282 bps | |
| Net Interest Margin | 4.14% | 4.10% | 4.08% | 4.08% | 4.09% | 4.00% | 4.00% | 3.94% | -14 bps | |
| Efficiency Ratio | 71.43% | 74.50% | 78.01% | 77.54% | 61.58% | 60.63% | 60.80% | 60.42% | -1,713 bps | |
| Non-Interest Burden | 2.86% | 2.96% | 3.09% | 3.08% | 2.47% | 2.41% | 2.41% | 2.35% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.78% | 2.09% | 2.92% | 1.40% | 5.74% | 5.17% | 10.13% | 12.29% | +1,089 bps | |
| Loan Growth (YoY) | 5.50% | 7.98% | 8.13% | 8.44% | 14.79% | 13.12% | 20.36% | 22.14% | +1,370 bps | |
| Deposit Growth (YoY) | 0.96% | 8.45% | 5.53% | 2.05% | 3.23% | 1.63% | 10.88% | 5.47% | +342 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.27% | 0.26% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.04% | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 2.98% | 2.92% | 2.86% | 2.73% | 0.00% | 0.06% | 0.13% | 0.16% | -256 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.0x | 0.2x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.54% | 10.80% | 10.94% | 10.60% | 12.41% | 12.47% | 12.67% | 11.75% | +116 bps | |
| Total Risk-Based Capital | 20.17% | 20.13% | 20.52% | 19.45% | 19.97% | 20.22% | 19.06% | 17.42% | -203 bps | |
| Equity / Assets | 10.46% | 10.78% | 10.94% | 10.63% | 12.69% | 13.14% | 12.84% | 12.03% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.08% | 71.32% | 76.32% | 80.07% | 79.04% | 79.38% | 82.85% | 92.72% | +1,265 bps | |
| Liquid Assets / Assets | 30.75% | 31.13% | 31.05% | 30.08% | 27.09% | 26.02% | 23.34% | 22.81% | -727 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |