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First Federal Savings & Loan Association of Wakeeney

Wakeeney, KS · Cert 29172

FDIC · 1 branch

Q1 2017

$27.8MAssets
$9.9MLoans
$23.9MDeposits
$3.4MEquity
Loan mix
96%RE $9.1M0%C&I $0.0M4%Consumer $0.4MQ1 2016Q1 2017
Deposit mix
92%Interest-bearing $21.9M8%Noninterest $2.0MQ1 2016Q1 2017

NIM

2.17%Q1 ’152.53%Q1 ’162.55%Q1 ’17+21%+1%

Non-interest income vs. expense

2.44%Q1 ’152.59%Q1 ’162.93%Q1 ’17+6%+15%

Executive Summary

  • Earnings: ROA of -0.36%, down 33 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.99%, up 26 bps from a year ago.
  • Funding: loans stand at 41.44% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.36%-33 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+3 bps YoY

Efficiency Ratio (YTD, annualized)

113.66%+1,261 bps YoY

Tier 1 Leverage Ratio

11.99%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.03%-0.06%-0.12%-0.16%-0.36%-33 bps
Return on Equity-0.23%-0.52%-1.00%-1.36%-2.93%-270 bps
Net Interest Margin2.39%2.44%2.46%2.49%2.43%+3 bps
Efficiency Ratio101.05%101.06%103.80%105.75%113.66%+1,261 bps
Non-Interest Burden2.42%2.46%2.56%2.64%2.78%+36 bps
Growth
Asset Growth (YoY)-6.17%-7.83%-9.40%-5.32%-6.11%+6 bps
Loan Growth (YoY)9.62%1.22%-0.84%0.09%-5.16%-1,478 bps
Deposit Growth (YoY)-7.02%-8.99%-10.80%-6.12%-6.94%+7 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.46%1.49%1.51%1.48%1.54%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.72%11.89%12.18%12.34%11.99%+26 bps
Total Risk-Based Capital35.87%37.40%37.77%36.08%36.75%+88 bps
Equity / Assets11.71%12.06%12.53%12.26%12.24%+53 bps
Liquidity & Funding
Loans / Deposits40.66%41.06%42.84%42.78%41.44%+78 bps
Liquid Assets / Assets56.62%58.26%57.17%57.42%58.22%+161 bps
CRE / Total Capitaln/an/an/an/an/an/an/a