Piqua, KS · Cert 18089
FDIC · 2 branches
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | -0.39% | 0.45% | 0.11% | -0.02% | -0.01% | -0.05% | -0.49% | -60 bps | |
| Return on Equity | 5.17% | -3.99% | 4.88% | 1.34% | -0.29% | -0.15% | -0.59% | -5.89% | -723 bps | |
| Net Interest Margin | 2.46% | 2.30% | 2.33% | 2.39% | 2.49% | 2.59% | 2.61% | 2.69% | +31 bps | |
| Efficiency Ratio | 83.04% | 112.87% | 85.02% | 96.01% | 99.64% | 100.37% | 100.34% | 105.54% | +952 bps | |
| Non-Interest Burden | 1.92% | 2.68% | 1.89% | 2.27% | 2.48% | 2.60% | 2.63% | 2.88% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.14% | 11.80% | 5.66% | 0.55% | -2.17% | -3.71% | -9.68% | -18.47% | -1,902 bps | |
| Loan Growth (YoY) | -13.04% | -18.58% | -8.36% | -7.96% | -9.13% | -0.35% | -8.99% | -9.66% | -170 bps | |
| Deposit Growth (YoY) | 18.13% | 13.74% | 8.07% | 2.62% | -2.15% | -3.04% | -13.80% | -24.11% | -2,673 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.64% | 1.56% | 0.79% | 0.43% | 0.00% | 0.00% | 2.00% | 3.06% | +263 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | -0.67% | -0.04% | 0.00% | 0.33% | -0.61% | 0.00% | +4 bps | |
| Allowance / Loans | 3.78% | 4.24% | 4.27% | 4.32% | 4.34% | 4.36% | 4.77% | 4.85% | +53 bps | |
| Allowance Coverage of NPLs | 0.8x | 2.7x | 5.4x | 10.1x | n/a | n/a | 2.4x | 1.6x | -8.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.73% | 9.59% | 9.74% | 9.74% | 10.06% | 10.35% | 10.74% | 11.00% | +126 bps | |
| Total Risk-Based Capital | 33.89% | 30.63% | 30.08% | 29.30% | 30.07% | 29.58% | 33.03% | 11.00% | -1,830 bps | |
| Equity / Assets | 9.71% | 9.79% | 8.48% | 7.37% | 7.38% | 7.88% | 8.26% | 8.53% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.10% | 30.79% | 30.22% | 27.84% | 30.74% | 31.64% | 31.91% | 33.14% | +530 bps | |
| Liquid Assets / Assets | 39.08% | 43.51% | 43.21% | 40.23% | 39.33% | 40.99% | 40.59% | 42.36% | +213 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |