Downs, KS · Cert 4656
FDIC · 1 branch
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | -0.08% | 0.27% | 0.31% | 0.73% | 0.11% | -0.09% | -0.48% | -79 bps | |
| Return on Equity | 3.28% | -0.89% | 3.05% | 3.37% | 7.79% | 1.17% | -0.92% | -4.82% | -819 bps | |
| Net Interest Margin | 3.12% | 2.39% | 2.68% | 3.00% | 3.03% | 2.59% | 2.67% | 2.44% | -57 bps | |
| Efficiency Ratio | 91.03% | 104.44% | 90.79% | 91.45% | 77.91% | 96.45% | 102.29% | 112.34% | +2,089 bps | |
| Non-Interest Burden | 2.81% | 2.51% | 2.38% | 2.72% | 2.24% | 2.49% | 2.73% | 2.87% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.03% | 4.26% | 1.37% | 0.73% | -3.18% | -0.14% | -3.64% | -5.47% | -620 bps | |
| Loan Growth (YoY) | 0.05% | -0.05% | 9.27% | 1.34% | 3.05% | -1.33% | -15.33% | -24.63% | -2,598 bps | |
| Deposit Growth (YoY) | 5.63% | 4.80% | 5.83% | 4.52% | -3.18% | 0.24% | -4.71% | -6.20% | -1,073 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% | 0.12% | 0.00% | 0.00% | -0.07% | -0.14% | 4.37% | +437 bps | |
| Allowance / Loans | 2.17% | 2.55% | 2.05% | 2.17% | 2.08% | 2.57% | 2.47% | 1.50% | -67 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 25.87% | 27.14% | 24.41% | 26.12% | 22.74% | 27.34% | 26.32% | 35.86% | +973 bps | |
| Equity / Assets | 9.70% | 9.18% | 8.78% | 9.47% | 9.33% | 8.92% | 9.77% | 10.26% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.22% | 32.18% | 40.91% | 40.52% | 41.75% | 31.67% | 36.35% | 32.56% | -796 bps | |
| Liquid Assets / Assets | 25.44% | 23.44% | 27.38% | 24.80% | 24.44% | 33.06% | 30.79% | 25.66% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |