Lawrence, KS · Charter 3795
Q1 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | -0.38% | 0.07% | 0.87% | 0.07% | -3.54% | -16.94% | -0.71% | -158 bps | |
| Return on Equity | 9.79% | -5.16% | 0.95% | 11.73% | 1.00% | -64.15% | n/a | n/a | n/a | |
| Net Interest Margin | 6.24% | 5.93% | 5.91% | 4.83% | 4.75% | 5.33% | 6.82% | 10.27% | +544 bps | |
| Efficiency Ratio | 98.28% | 93.40% | 97.24% | 93.20% | 90.03% | 160.06% | 190.67% | 103.90% | +1,070 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.33% | -4.58% | 1.81% | 5.02% | 7.93% | -5.96% | -33.15% | -65.94% | -7,096 bps | |
| Loan Growth (YoY) | -10.71% | -15.60% | -19.40% | -17.88% | -9.98% | -16.33% | -18.00% | -27.60% | -972 bps | |
| Share Growth (YoY) | -12.07% | -5.14% | 2.20% | 5.64% | 9.20% | -4.07% | -24.02% | -62.10% | -6,774 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 2.59% | 3.55% | 2.89% | 2.51% | 5.43% | 23.80% | 0.00% | -289 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.19% | 2.67% | 1.88% | 1.96% | 1.30% | 1.42% | 14.48% | 16.75% | +1,479 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.12% | 7.33% | 7.76% | 7.38% | 7.26% | 5.52% | -5.33% | -9.83% | -1,721 bps | |
| Net Worth / Assets | 8.12% | 7.33% | 7.76% | 7.38% | 7.26% | 5.52% | -5.33% | -9.83% | -1,721 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.26% | 69.06% | 64.47% | 58.14% | 58.74% | 60.24% | 69.58% | 111.07% | +5,293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |