Howard, KS · Cert 4692
FDIC · 1 branch
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.54% | 0.65% | 0.66% | 0.67% | +42 bps | |
| Return on Equity | 1.21% | 2.53% | 3.05% | 3.13% | 3.12% | +191 bps | |
| Net Interest Margin | 2.09% | 2.34% | 2.44% | 2.41% | 2.77% | +68 bps | |
| Efficiency Ratio | 90.74% | 81.58% | 78.89% | 78.23% | 80.30% | -1,044 bps | |
| Non-Interest Burden | 1.84% | 1.79% | 1.78% | 1.75% | 2.11% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.57% | -8.51% | -0.96% | -0.82% | -5.07% | -349 bps | |
| Loan Growth (YoY) | 8.87% | 28.67% | 29.22% | 46.49% | -9.07% | -1,794 bps | |
| Deposit Growth (YoY) | -1.84% | -10.91% | -1.15% | -1.04% | -6.55% | -471 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.19% | 1.08% | 1.03% | 0.96% | 1.31% | +12 bps | |
| Allowance Coverage of NPLs | 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 | 19.14% | n/a | n/a |
| Total Risk-Based Capital | 42.80% | 42.34% | 40.28% | 39.41% | 46.39% | +359 bps | |
| Equity / Assets | 21.03% | 22.82% | 20.66% | 20.55% | 22.35% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.32% | 57.67% | 53.17% | 56.66% | 46.05% | -128 bps | |
| Liquid Assets / Assets | 24.51% | 32.42% | 29.07% | 35.32% | 38.22% | +1,371 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |