Belleville, KS · Cert 4629
FDIC · 3 branches
Q2 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.18% | 0.75% | 0.61% | 1.17% | +8 bps | |
| Return on Equity | 7.49% | 8.22% | 5.39% | 4.41% | 8.35% | +86 bps | |
| Net Interest Margin | 3.83% | 3.82% | 3.63% | 3.55% | 3.79% | -4 bps | |
| Efficiency Ratio | 65.52% | 63.36% | 78.07% | 84.77% | 66.53% | +101 bps | |
| Non-Interest Burden | 2.02% | 1.88% | 2.51% | 2.80% | 2.08% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.72% | -4.92% | -4.33% | -6.31% | -2.59% | -186 bps | |
| Loan Growth (YoY) | -3.83% | -9.37% | -10.81% | -5.90% | -0.57% | +326 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.38% | -0.01% | 0.00% | -0.02% | -2 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.45% | 10.63% | 10.67% | 10.70% | 10.98% | -47 bps | |
| Total Risk-Based Capital | 14.98% | 13.82% | 13.73% | 13.63% | 13.65% | -133 bps | |
| Equity / Assets | 14.79% | 13.96% | 13.86% | 13.93% | 14.07% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.31% | 101.46% | 92.92% | 90.96% | 102.69% | +438 bps | |
| Liquid Assets / Assets | 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 |