Goff, KS · Cert 4675
FDIC · 3 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Goff, KS · Cert 4675
FDIC · 3 branches
Q1 2017
Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.1% share · #80 of 135 inst. · $0.1B of $52.7B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.75% | 0.60% | 0.83% | 1.61% | 1.44% | 0.87% | -1.60% | -243 bps | |
| Return on Equity | 8.81% | 7.99% | 6.41% | 8.59% | 17.05% | 15.31% | 9.24% | -16.45% | -2,504 bps | |
| Net Interest Margin | 4.40% | 3.98% | 3.99% | 4.16% | 4.41% | 4.13% | 4.03% | 4.13% | -3 bps | |
| Efficiency Ratio | 69.29% | 73.57% | 77.75% | 83.31% | 74.57% | 73.35% | 75.85% | 152.88% | +6,957 bps | |
| Non-Interest Burden | 1.81% | 2.01% | 2.38% | 3.07% | 2.53% | 2.27% | 2.35% | 7.23% | +417 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.66% | 16.21% | 9.42% | 3.40% | 15.37% | 7.74% | 6.62% | -0.01% | -341 bps | |
| Loan Growth (YoY) | 5.85% | 3.59% | 1.22% | 3.53% | 17.13% | 27.46% | 8.63% | 5.05% | +152 bps | |
| Deposit Growth (YoY) | 11.54% | 18.07% | 7.38% | 1.39% | 12.16% | 7.55% | 10.01% | -3.96% | -535 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | 2.15% | 1.52% | 1.11% | -0.02% | -0.83% | -0.40% | -0.08% | 1.41% | +142 bps | |
| Allowance / Loans | 1.42% | 1.52% | 1.48% | 1.45% | 1.33% | 1.25% | 1.96% | 1.46% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.0x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.89% | 8.32% | 8.52% | 9.08% | 9.36% | 8.82% | 8.46% | 8.80% | -28 bps | |
| Total Risk-Based Capital | 11.61% | 11.87% | 11.99% | 11.87% | 11.45% | 11.32% | 12.81% | 12.08% | +22 bps | |
| Equity / Assets | 9.53% | 8.93% | 9.34% | 9.93% | 9.13% | 9.26% | 9.48% | 10.06% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.29% | 89.35% | 99.15% | 108.17% | 106.82% | 105.90% | 97.91% | 118.32% | +1,015 bps | |
| Liquid Assets / Assets | 1.26% | 3.30% | 3.26% | 3.41% | 2.96% | 3.26% | 3.09% | 2.00% | -141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |