Independence, KS · Cert 27852
FDIC · 5 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Independence, KS · Cert 27852
FDIC · 5 branches
Q3 2015
Market Position · Lawrence, KS · 2015 SOD (annual) · 0.0% share · #23 of 23 inst. · $0.0B of $2.1B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.45% | 0.38% | 0.31% | 0.39% | 0.45% | 0.56% | 0.35% | 0.14% | -25 bps | |
| Return on Equity | -14.99% | 4.05% | 3.23% | 4.04% | 4.65% | 5.60% | 3.48% | 1.39% | -266 bps | |
| Net Interest Margin | 3.01% | 3.08% | 2.98% | 3.04% | 3.11% | 3.16% | 3.27% | 3.28% | +24 bps | |
| Efficiency Ratio | 105.81% | 89.82% | 91.40% | 89.07% | 87.14% | 84.54% | 91.38% | 96.89% | +782 bps | |
| Non-Interest Burden | 3.22% | 2.69% | 2.67% | 2.63% | 2.62% | 2.56% | 2.95% | 3.16% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.03% | -10.46% | -5.18% | -2.43% | -0.45% | -1.47% | -3.33% | -3.80% | -137 bps | |
| Loan Growth (YoY) | -11.39% | -7.30% | -1.83% | 4.07% | 12.12% | 13.69% | 9.75% | 8.21% | +414 bps | |
| Deposit Growth (YoY) | -12.48% | -8.43% | -5.39% | -4.18% | -1.03% | -2.75% | -5.25% | -6.29% | -210 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 | 0.32% | 0.22% | 0.32% | 0.25% | 0.20% | 0.00% | 0.03% | 0.04% | -21 bps | |
| Allowance / Loans | 2.37% | 2.30% | 2.12% | 2.05% | 1.97% | 1.95% | 1.89% | 1.85% | -20 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 | n/a | n/a | n/a | n/a | n/a | 10.14% | 10.33% | 10.45% | n/a | |
| Total Risk-Based Capital | 21.01% | 21.12% | 20.71% | 20.88% | 20.62% | 21.91% | 22.24% | 22.35% | +147 bps | |
| Equity / Assets | 9.54% | 9.45% | 9.54% | 9.84% | 10.04% | 10.09% | 10.35% | 10.50% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.90% | 81.88% | 85.51% | 89.90% | 95.04% | 95.72% | 99.04% | 103.81% | +1,391 bps | |
| Liquid Assets / Assets | 33.21% | 34.77% | 33.54% | 30.80% | 27.56% | 27.53% | 25.12% | 24.35% | -645 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |