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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.96% | 0.85% | -0.06% | 1.49% | 0.64% | 0.61% | -1.18% | -112 bps | |
| Return on Equity | 9.15% | 20.78% | 9.08% | -0.66% | 16.40% | 7.13% | 6.90% | -14.55% | -1,389 bps | |
| Net Interest Margin | 3.94% | 4.82% | 3.51% | 3.25% | 3.77% | 2.97% | 2.76% | 2.65% | -60 bps | |
| Efficiency Ratio | 78.61% | 62.74% | 76.97% | 102.28% | 64.92% | 80.25% | 80.23% | 141.33% | +3,905 bps | |
| Non-Interest Burden | 3.00% | 2.85% | 2.66% | 3.30% | 2.25% | 2.32% | 2.15% | 3.83% | +53 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% | 0.02% | -0.01% | 0.13% | 0.20% | -0.01% | -0.01% | -0.43% | -56 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 |