Pittsburg, KS · Cert 34985
FDIC · 3 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.
Pittsburg, KS · Cert 34985
FDIC · 3 branches
Q3 2015
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 | 1.24% | 1.18% | 1.29% | 1.35% | 1.29% | 1.41% | 1.44% | 1.25% | -11 bps | |
| Return on Equity | 9.84% | 9.34% | 10.08% | 10.51% | 9.89% | 10.35% | 10.59% | 9.11% | -140 bps | |
| Net Interest Margin | 3.47% | 3.61% | 3.48% | 3.42% | 3.44% | 3.47% | 3.53% | 3.35% | -7 bps | |
| Efficiency Ratio | 61.77% | 66.87% | 65.71% | 65.31% | 66.58% | 64.96% | 64.16% | 67.84% | +253 bps | |
| Non-Interest Burden | 1.86% | 2.22% | 2.07% | 2.02% | 2.10% | 2.03% | 2.04% | 2.08% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.92% | 7.09% | 2.50% | 2.16% | 0.03% | -0.57% | 2.25% | 0.43% | -172 bps | |
| Loan Growth (YoY) | -5.85% | -3.47% | -1.22% | -1.13% | -2.68% | -2.47% | -1.67% | -9.33% | -820 bps | |
| Deposit Growth (YoY) | 3.03% | 6.25% | 0.26% | 1.08% | 1.81% | 1.87% | 5.68% | 3.58% | +249 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 | 0.41% | -0.07% | 0.23% | 0.47% | 0.36% | -0.43% | -0.19% | -0.13% | -59 bps | |
| Allowance / Loans | 2.36% | 2.44% | 2.27% | 2.06% | 2.11% | 2.23% | 2.17% | 2.37% | +31 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 | 13.84% | 14.08% | 13.73% | n/a | |
| Total Risk-Based Capital | 17.92% | 18.22% | 18.15% | 18.35% | 19.00% | 19.12% | 19.39% | 21.64% | +329 bps | |
| Equity / Assets | 12.59% | 12.61% | 13.06% | 13.18% | 13.52% | 13.68% | 13.64% | 13.87% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.02% | 88.84% | 91.83% | 89.90% | 87.01% | 85.06% | 85.45% | 78.70% | -1,120 bps | |
| Liquid Assets / Assets | 5.87% | 10.60% | 6.94% | 5.98% | 8.88% | 8.17% | 8.27% | 24.30% | +1,832 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |