Beattie, KS · Cert 4626
FDIC · 2 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Beattie, KS · Cert 4626
FDIC · 2 branches
Q1 2020
Market Position · Kansas City, MO-KS · 2019 SOD (annual) · 0.2% share · #56 of 123 inst. · $0.1B of $61.3B
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.82% | 0.84% | 0.70% | 0.80% | 0.92% | 0.56%1 | 2.27% | +157 bps | |
| Return on Equity | 10.71% | 9.44% | 9.53% | 7.28% | 8.19% | 9.14% | 5.46% | 14.61% | +733 bps | |
| Net Interest Margin | 3.60% | 3.57% | 3.60% | 3.43% | 3.47% | 3.46% | 3.87% | 5.11% | +169 bps | |
| Efficiency Ratio | 67.57% | 69.62% | 68.22% | 71.19% | 71.56% | 67.24% | 80.11% | 54.91% | -1,628 bps | |
| Non-Interest Burden | 2.27% | 2.33% | 2.28% | 2.24% | 2.29% | 2.00% | 2.88% | 2.38% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.69% | 9.68% | 0.84% | -1.64% | -0.59% | -2.09% | -16.40% | -14.14% | -1,250 bps | |
| Loan Growth (YoY) | 14.77% | 10.40% | 0.49% | -3.21% | -1.78% | -5.30% | -6.09% | -15.92% | -1,271 bps | |
| Deposit Growth (YoY) | 18.02% | 13.18% | 5.52% | -0.74% | -6.83% | -2.50% | -12.82% | -19.12% | -1,838 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 2.62% | 2.68% | 2.38% | 2.31% | 0.00% | 0.45% | 0.51% | -188 bps | |
| Net Charge-Offs / Loans | 0.40% | 0.25% | 0.19% | 0.98% | 0.48% | 0.71% | 1.60% | -0.02% | -101 bps | |
| Allowance / Loans | 1.66% | 1.78% | 1.97% | 1.83% | 1.80% | 1.85% | 1.50% | 0.01% | -183 bps | |
| Allowance Coverage of NPLs | n/a | 0.7x | 0.7x | 0.8x | 0.8x | n/a | 3.3x | 0.0x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 9.37% | 9.53% | 9.77% | 10.02% | 10.08% | 11.10% | 9.74% | -3 bps | |
| Total Risk-Based Capital | 12.72% | 13.04% | 12.81% | 13.65% | 13.53% | 14.46% | 14.64% | 12.24% | -141 bps | |
| Equity / Assets | 8.69% | 8.89% | 9.32% | 9.86% | 10.12% | 10.80% | 11.95% | 19.03% | +917 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.22% | 88.79% | 88.11% | 87.10% | 94.05% | 86.24% | 94.92% | 90.55% | +345 bps | |
| Liquid Assets / Assets | 2.95% | 3.00% | 2.32% | 2.41% | 2.32% | 2.41% | 1.55% | 1.48% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |