Pittsburg, KS · Cert 34985
FDIC · 3 branches
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.08% | 1.41% | 1.48% | 0.85% | -64 bps | |
| Return on Equity | 11.34% | 8.08% | 10.35% | 10.81% | 6.18% | -516 bps | |
| Net Interest Margin | 3.44% | 3.36% | 3.47% | 3.59% | 3.24% | -20 bps | |
| Efficiency Ratio | 64.52% | 70.75% | 64.96% | 63.37% | 75.50% | +1,098 bps | |
| Non-Interest Burden | 2.01% | 2.27% | 2.03% | 2.05% | 2.29% | +29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.16% | 0.03% | -0.57% | 2.25% | 0.43% | -172 bps | |
| Loan Growth (YoY) | -1.13% | -2.68% | -2.47% | -1.67% | -9.33% | -820 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.94% | 0.00% | -0.43% | 0.05% | 0.03% | -91 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 13.84% | 14.08% | 13.73% | n/a | |
| Total Risk-Based Capital | 18.35% | 19.00% | 19.12% | 19.39% | 21.64% | +329 bps | |
| Equity / Assets | 13.18% | 13.52% | 13.68% | 13.64% | 13.87% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.90% | 87.01% | 85.06% | 85.45% | 78.70% | -1,120 bps | |
| Liquid Assets / Assets | 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 |