Grainfield, KS · Cert 18077
FDIC · 1 branch
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Grainfield, KS · Cert 18077
FDIC · 1 branch
Q2 2014
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 0.79% | 0.44% | 0.58% | 0.44% | 0.40% | 0.57% | 0.54% | -4 bps | |
| Return on Equity | 14.66% | 9.29% | 5.54% | 7.24% | 5.45% | 4.93% | 6.76% | 6.15% | -109 bps | |
| Net Interest Margin | 2.28% | 2.18% | 1.70% | 1.80% | 1.74% | 1.83% | 1.91% | 2.09% | +29 bps | |
| Efficiency Ratio | 79.60% | 79.34% | 79.31% | 71.32% | 76.09% | 78.54% | 75.00% | 76.15% | +484 bps | |
| Non-Interest Burden | 1.79% | 1.70% | 1.33% | 1.20% | 1.28% | 1.41% | 1.41% | 1.57% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.56% | 19.01% | 6.02% | 17.48% | 11.26% | -0.80% | -0.30% | -11.22% | -2,870 bps | |
| Loan Growth (YoY) | -20.89% | -4.27% | -14.67% | -17.72% | -19.61% | -6.24% | 12.83% | 17.73% | +3,545 bps | |
| Deposit Growth (YoY) | 7.02% | 20.04% | 5.77% | 18.95% | 12.16% | -1.34% | -0.81% | -12.59% | -3,154 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 | 0.00% | 0.26% | 0.00% | 0.00% | 0.00% | -0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.48% | 0.96% | 1.13% | 1.15% | 1.18% | 1.05% | 1.02% | 1.00% | -15 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 25.33% | 23.79% | 25.46% | 25.85% | 26.61% | 23.87% | 23.64% | 24.87% | -97 bps | |
| Equity / Assets | 9.07% | 8.01% | 8.03% | 8.05% | 8.32% | 8.49% | 8.49% | 9.48% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.88% | 36.19% | 30.42% | 29.16% | 29.30% | 34.39% | 34.60% | 39.28% | +1,011 bps | |
| Liquid Assets / Assets | 9.33% | 8.37% | 8.22% | 13.81% | 14.19% | 14.33% | 14.06% | 15.46% | +165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |