Belleville, KS · Cert 4629
FDIC · 3 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Belleville, KS · Cert 4629
FDIC · 3 branches
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.28% | 0.66% | 0.87% | 0.97% | 0.92% | 0.61% | 0.89% | +1 bps | |
| Return on Equity | 9.83% | 9.10% | 4.60% | 6.03% | 6.79% | 6.43% | 4.41% | 6.36% | +33 bps | |
| Net Interest Margin | 3.97% | 3.80% | 3.40% | 3.62% | 3.80% | 3.71% | 3.55% | 3.67% | +5 bps | |
| Efficiency Ratio | 62.75% | 64.52% | 74.17% | 69.49% | 67.38% | 69.98% | 84.77% | 75.07% | +559 bps | |
| Non-Interest Burden | 2.21% | 2.18% | 2.22% | 2.12% | 2.11% | 2.18% | 2.80% | 2.44% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.25% | 1.05% | 1.52% | -0.72% | -4.92% | -4.33% | -6.31% | -2.59% | -186 bps | |
| Loan Growth (YoY) | 8.47% | 7.54% | 5.27% | -3.83% | -9.37% | -10.81% | -5.90% | -0.57% | +326 bps | |
| Deposit Growth (YoY) | 5.18% | 3.11% | 2.78% | 6.03% | 3.17% | -1.28% | -3.09% | -4.81% | -1,083 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 | 0.00% | 0.00% | 0.39% | 0.19% | 0.26% | 0.19% | 0.00% | -0.01% | -20 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.33% | 1.40% | 1.37% | 1.44% | 1.50% | 1.41% | +1 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 | 11.21% | 11.45% | 10.63% | 10.67% | 10.70% | 10.98% | -47 bps | |
| Total Risk-Based Capital | 14.51% | 14.47% | 14.93% | 14.98% | 13.82% | 13.73% | 13.63% | 13.65% | -133 bps | |
| Equity / Assets | 14.53% | 14.39% | 14.24% | 14.79% | 13.96% | 13.86% | 13.93% | 14.07% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.51% | 102.85% | 93.68% | 98.31% | 101.46% | 92.92% | 90.96% | 102.69% | +438 bps | |
| Liquid Assets / Assets | 11.29% | 12.19% | 15.59% | 12.22% | 10.35% | 10.33% | 13.54% | 9.97% | -225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |