Coffeyville, KS · Cert 19749
FDIC · 1 branch
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 0.94% | 1.53% | 1.61% | 1.86% | 1.73% | 1.22% | 0.39% | -123 bps | |
| Return on Equity | 13.94% | 10.27% | 16.60% | 17.26% | 19.82% | 18.01% | 11.81% | 4.11% | -1,316 bps | |
| Net Interest Margin | 2.74% | 2.86% | 3.18% | 3.28% | 3.04% | 3.07% | 2.82% | 2.70% | -57 bps | |
| Efficiency Ratio | 49.70% | 54.43% | 46.51% | 44.90% | 42.19% | 44.79% | 52.49% | 76.18% | +3,128 bps | |
| Non-Interest Burden | 1.19% | 1.54% | 1.31% | 1.28% | 0.82% | 0.99% | 1.31% | 1.97% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.07% | -7.29% | -6.83% | -7.54% | -6.98% | 1.23% | 3.79% | 2.22% | +976 bps | |
| Loan Growth (YoY) | -16.58% | -14.18% | -2.91% | -2.74% | 6.22% | 15.53% | 15.74% | 15.31% | +1,805 bps | |
| Deposit Growth (YoY) | 3.50% | -5.44% | -6.86% | -8.32% | -8.85% | -2.93% | 2.77% | 4.17% | +1,249 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.19% | 0.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.60% | 0.47% | -0.03% | -0.02% | -0.02% | -0.09% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.43% | 1.44% | 1.39% | 1.42% | 1.35% | 1.26% | 1.21% | 1.24% | -18 bps | |
| Allowance Coverage of NPLs | 6.9x | 7.7x | 7.9x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.13% | 10.84% | 11.78% | 12.30% | 12.38% | 12.44% | 12.66% | 10.26% | -204 bps | |
| Total Risk-Based Capital | 11.13% | 10.84% | 11.78% | 12.30% | 12.38% | 12.44% | 12.66% | 10.26% | -204 bps | |
| Equity / Assets | 7.76% | 9.00% | 9.42% | 9.65% | 9.49% | 10.42% | 10.20% | 7.83% | -181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.38% | 46.11% | 47.44% | 47.26% | 50.56% | 54.88% | 53.42% | 52.32% | +505 bps | |
| Liquid Assets / Assets | 1.85% | 2.49% | 2.36% | 2.49% | 2.58% | 2.46% | 2.42% | 2.34% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |