Great Bend, KS · Cert 4646
FDIC · 5 branches
Q4 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.90% | 1.76% | 1.49% | 1.45% | 1.81% | 0.29% | 0.63% | 0.37% | -109 bps | |
| Return on Equity | 18.64% | 16.89% | 14.28% | 13.84% | 16.27% | 2.29% | 4.71% | 2.63% | -1,120 bps | |
| Net Interest Margin | 3.85% | 3.93% | 3.82% | 3.72% | 3.37% | 0.78% | 1.51% | 1.92% | -180 bps | |
| Efficiency Ratio | 52.32% | 51.94% | 51.34% | 54.02% | 52.38% | 63.05% | 54.97% | 77.49% | +2,347 bps | |
| Non-Interest Burden | 1.69% | 1.71% | 1.64% | 1.72% | 1.50% | 0.43% | 0.72% | 1.37% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | -6.32% | -1.80% | -0.10% | 3.25% | 31.49% | 18.08% | 18.30% | +1,841 bps | |
| Loan Growth (YoY) | -3.66% | -1.55% | -6.73% | -4.98% | -5.03% | 6.19% | 13.05% | 8.24% | +1,323 bps | |
| Deposit Growth (YoY) | -1.30% | -8.08% | -2.91% | -1.06% | 2.56% | 25.81% | 10.98% | 10.99% | +1,205 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.18% | 1.88% | 0.34% | 0.07% | 0.28% | 0.64% | 0.53% | 0.43% | +36 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.45% | 0.92% | 0.85% | 0.00% | 0.00% | 0.00% | 0.00% | -85 bps | |
| Allowance / Loans | 1.36% | 1.27% | 1.37% | 1.40% | 1.43% | 0.00% | 0.00% | 0.22% | -118 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 4.0x | 19.2x | 5.0x | 0.0x | 0.0x | 0.5x | -18.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.44% | 10.79% | 10.57% | 10.67% | 11.08% | 11.79% | 11.65% | 11.60% | +93 bps | |
| Total Risk-Based Capital | 16.28% | 15.66% | 12.12% | 12.45% | 12.94% | 13.39% | 18.85% | 19.34% | +689 bps | |
| Equity / Assets | 10.58% | 10.85% | 10.44% | 10.89% | 11.36% | 14.80% | 15.92% | 16.09% | +521 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.25% | 72.73% | 64.97% | 64.28% | 63.20% | 61.39% | 66.18% | 62.69% | -159 bps | |
| Liquid Assets / Assets | 16.91% | 0.09% | 0.12% | 0.30% | 0.55% | 0.67% | 1.99% | 4.26% | +396 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |