Hoxie, KS · Cert 26832
FDIC · 3 branches
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.21% | 2.19% | 2.50% | 1.63% | 2.71% | 2.63% | 2.74% | 2.03% | +40 bps | |
| Return on Equity | 19.71% | 18.96% | 20.58% | 13.22% | 21.96% | 20.82% | 20.83% | 14.93% | +171 bps | |
| Net Interest Margin | 3.95% | 4.03% | 4.31% | 4.37% | 4.42% | 4.50% | 4.51% | 4.30% | -7 bps | |
| Efficiency Ratio | 42.29% | 42.72% | 41.26% | 60.74% | 37.83% | 38.49% | 38.16% | 56.68% | -407 bps | |
| Non-Interest Burden | 1.52% | 1.59% | 1.57% | 2.52% | 1.53% | 1.59% | 1.53% | 2.24% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | 2.40% | -0.67% | 1.01% | -2.26% | -0.62% | 1.13% | 2.37% | +136 bps | |
| Loan Growth (YoY) | 21.48% | 26.60% | 13.71% | 3.63% | 13.17% | 2.00% | 2.65% | -1.35% | -498 bps | |
| Deposit Growth (YoY) | -2.63% | 1.38% | -2.06% | -0.98% | -6.57% | -1.73% | -0.13% | 1.48% | +245 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 | -0.01% | 0.02% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 1.44% | 1.36% | 1.42% | 1.43% | 1.43% | 1.50% | 1.54% | 1.56% | +13 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 | 11.31% | 11.66% | 12.18% | 12.20% | 12.29% | 12.79% | 13.50% | 13.39% | +119 bps | |
| Total Risk-Based Capital | 14.81% | 13.51% | 14.05% | 13.57% | 13.74% | 14.43% | 15.02% | 15.51% | +194 bps | |
| Equity / Assets | 11.29% | 11.84% | 12.44% | 12.22% | 12.49% | 12.81% | 13.53% | 13.65% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.35% | 100.99% | 102.87% | 104.98% | 109.44% | 104.82% | 105.73% | 102.06% | -292 bps | |
| Liquid Assets / Assets | 15.78% | 7.18% | 6.77% | 5.30% | 4.85% | 6.03% | 5.92% | 7.14% | +184 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |