Derby, KS · Cert 21463
FDIC · 5 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Derby, KS · Cert 21463
FDIC · 5 branches
Q4 2018
Market Position · Wichita, KS · 2018 SOD (annual) · 0.8% share · #18 of 52 inst. · $0.1B of $15.8B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.07% | 1.10% | 1.09% | 1.14% | 1.25% | 1.27% | 0.56% | -53 bps | |
| Return on Equity | 12.15% | 12.36% | 12.60% | 12.54% | 13.32% | 14.76% | 15.07% | 6.78% | -576 bps | |
| Net Interest Margin | 3.39% | 3.36% | 3.37% | 3.45% | 3.49% | 3.46% | 3.47% | 3.52% | +8 bps | |
| Efficiency Ratio | 75.48% | 75.07% | 75.01% | 75.07% | 73.14% | 71.49% | 71.89% | 87.69% | +1,261 bps | |
| Non-Interest Burden | 2.29% | 2.25% | 2.25% | 2.30% | 2.30% | 2.16% | 2.19% | 2.96% | +66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | 2.32% | 0.10% | 1.20% | 3.72% | 4.29% | 3.91% | 1.16% | -4 bps | |
| Loan Growth (YoY) | -1.31% | 2.98% | 2.06% | 0.77% | 6.68% | 6.65% | 5.33% | 1.66% | +89 bps | |
| Deposit Growth (YoY) | 3.26% | 3.16% | 0.76% | 1.81% | 2.50% | 4.45% | 1.22% | 5.31% | +349 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.05% | 0.00% | 0.03% | 0.00% | 0.00% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 0.96% | 0.97% | 0.96% | 0.93% | 0.91% | 0.93% | 0.96% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 18.3x | n/a | 31.0x | n/a | n/a | 20.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 8.73% | 8.81% | 9.00% | 8.99% | 8.73% | 8.78% | 7.98% | -102 bps | |
| Total Risk-Based Capital | 13.54% | 13.37% | 13.38% | 13.22% | 13.13% | 12.73% | 13.27% | 11.72% | -150 bps | |
| Equity / Assets | 8.68% | 8.82% | 8.95% | 8.72% | 8.47% | 8.21% | 8.30% | 7.80% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.14% | 72.61% | 72.74% | 77.16% | 74.05% | 74.14% | 75.70% | 74.49% | -267 bps | |
| Liquid Assets / Assets | 1.49% | 1.20% | 1.34% | 0.88% | 0.94% | 0.87% | 1.48% | 1.45% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |