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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.10% | 1.16% | 1.08% | 1.14% | 1.35% | 1.30% | -1.57% | -265 bps | |
| Return on Equity | 12.15% | 12.53% | 13.00% | 12.21% | 13.32% | 16.17% | 15.72% | -19.46% | -3,168 bps | |
| Net Interest Margin | 3.39% | 3.39% | 3.42% | 3.51% | 3.49% | 3.47% | 3.52% | 3.62% | +11 bps | |
| Efficiency Ratio | 75.48% | 74.68% | 74.89% | 75.25% | 73.14% | 69.96% | 72.67% | 133.79% | +5,854 bps | |
| Non-Interest Burden | 2.29% | 2.25% | 2.26% | 2.35% | 2.30% | 2.05% | 2.27% | 5.21% | +286 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 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 |