Lawrence, KS · Cert 32606
FDIC · 1 branch
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, 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.
Lawrence, KS · Cert 32606
FDIC · 1 branch
Q4 2021
Market Position · Lawrence, KS · 2021 SOD (annual) · 2.4% share · #10 of 22 inst. · $0.1B of $3.5B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.43% | 1.24% | 0.91% | 1.49% | 1.06% | 0.91% | 0.35% | -56 bps | |
| Return on Equity | 9.15% | 14.98% | 13.00% | 9.58% | 16.40% | 11.77% | 10.15% | 4.07% | -551 bps | |
| Net Interest Margin | 3.94% | 4.22% | 3.92% | 3.82% | 3.77% | 3.31% | 3.08% | 2.99% | -83 bps | |
| Efficiency Ratio | 78.61% | 69.58% | 71.71% | 77.40% | 64.92% | 71.61% | 74.15% | 88.63% | +1,122 bps | |
| Non-Interest Burden | 3.00% | 2.81% | 2.72% | 2.91% | 2.25% | 2.25% | 2.18% | 2.62% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.78% | 10.56% | 4.31% | 10.17% | 13.08% | 6.50% | 8.50% | 21.48% | +1,131 bps | |
| Loan Growth (YoY) | 5.53% | 7.71% | 4.22% | -6.75% | -12.92% | -15.33% | -13.65% | -19.80% | -1,304 bps | |
| Deposit Growth (YoY) | -3.04% | 11.59% | 4.35% | 11.20% | 13.91% | 6.96% | 9.27% | 23.85% | +1,265 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.11% | 0.11% | 0.15% | 0.10% | 0.09% | 0.04% | 0.00% | -15 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.01% | -0.01% | 0.03% | 0.20% | 0.09% | 0.06% | -0.05% | -8 bps | |
| Allowance / Loans | 1.35% | 1.31% | 1.39% | 1.47% | 1.47% | 1.48% | 1.53% | 1.78% | +31 bps | |
| Allowance Coverage of NPLs | 1.8x | 12.3x | 12.5x | 9.9x | 14.8x | 16.6x | 38.5x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.69% | 9.14% | 8.99% | 9.05% | 9.05% | 8.67% | 8.49% | 8.53% | -52 bps | |
| Total Risk-Based Capital | 15.36% | 16.30% | 17.34% | 18.02% | 18.96% | 19.72% | 20.08% | 8.53% | -948 bps | |
| Equity / Assets | 9.66% | 9.18% | 9.50% | 9.15% | 9.04% | 8.83% | 8.94% | 7.42% | -173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.57% | 86.48% | 84.52% | 76.30% | 70.01% | 68.46% | 66.79% | 49.41% | -2,689 bps | |
| Liquid Assets / Assets | 12.58% | 15.96% | 19.72% | 27.32% | 31.10% | 32.93% | 34.39% | 30.20% | +288 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |