Wakeeney, KS · Cert 29172
FDIC · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Wakeeney, KS · Cert 29172
FDIC · 1 branch
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.18% | -0.13% | -0.03% | -0.06% | -0.12% | -0.16% | -0.36% | -33 bps | |
| Return on Equity | -1.99% | -1.60% | -1.17% | -0.23% | -0.52% | -1.00% | -1.36% | -2.93% | -270 bps | |
| Net Interest Margin | 2.06% | 2.15% | 2.26% | 2.39% | 2.44% | 2.46% | 2.49% | 2.43% | +3 bps | |
| Efficiency Ratio | 110.09% | 107.89% | 106.13% | 101.05% | 101.06% | 103.80% | 105.75% | 113.66% | +1,261 bps | |
| Non-Interest Burden | 2.28% | 2.33% | 2.40% | 2.42% | 2.46% | 2.56% | 2.64% | 2.78% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | -0.65% | -3.92% | -6.17% | -7.83% | -9.40% | -5.32% | -6.11% | +6 bps | |
| Loan Growth (YoY) | 3.12% | 9.44% | 8.35% | 9.62% | 1.22% | -0.84% | 0.09% | -5.16% | -1,478 bps | |
| Deposit Growth (YoY) | 2.36% | -0.58% | -4.43% | -7.02% | -8.99% | -10.80% | -6.12% | -6.94% | +7 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.51% | 1.49% | 1.48% | 1.46% | 1.49% | 1.51% | 1.48% | 1.54% | +8 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 | 11.01% | 11.22% | 11.60% | 11.72% | 11.89% | 12.18% | 12.34% | 11.99% | +26 bps | |
| Total Risk-Based Capital | 36.49% | 37.23% | 36.96% | 35.87% | 37.40% | 37.77% | 36.08% | 36.75% | +88 bps | |
| Equity / Assets | 11.21% | 11.47% | 11.77% | 11.71% | 12.06% | 12.53% | 12.26% | 12.24% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.92% | 38.54% | 40.12% | 40.66% | 41.06% | 42.84% | 42.78% | 41.44% | +78 bps | |
| Liquid Assets / Assets | 60.04% | 58.34% | 56.56% | 56.62% | 58.26% | 57.17% | 57.42% | 58.22% | +161 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |