Liberal, KS · Cert 4717
FDIC · 5 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Liberal, KS · Cert 4717
FDIC · 5 branches
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.19% | 1.09% | 0.93% | 0.96% | 0.99% | 1.01% | 1.13% | +20 bps | |
| Return on Equity | 12.32% | 12.31% | 11.56% | 10.19% | 10.38% | 10.48% | 10.64% | 11.90% | +171 bps | |
| Net Interest Margin | 3.26% | 3.31% | 3.26% | 3.08% | 3.04% | 3.08% | 3.10% | 2.75% | -32 bps | |
| Efficiency Ratio | 62.82% | 62.06% | 61.15% | 59.65% | 60.90% | 61.49% | 61.10% | 59.65% | -1 bps | |
| Non-Interest Burden | 1.92% | 1.93% | 1.86% | 1.69% | 1.72% | 1.76% | 1.76% | 1.52% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.13% | 1.23% | 2.76% | 0.73% | 5.34% | 3.19% | 0.05% | 2.29% | +155 bps | |
| Loan Growth (YoY) | 7.35% | 3.08% | 6.00% | 4.82% | -0.75% | -1.36% | -5.64% | -7.72% | -1,253 bps | |
| Deposit Growth (YoY) | -0.22% | 1.49% | 0.48% | 2.97% | 6.77% | 2.24% | 1.88% | 2.65% | -33 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.49% | 0.14% | 0.10% | 0.06% | 0.02% | -46 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.76% | 0.90% | 0.45% | 0.29% | 0.20% | 0.00% | -90 bps | |
| Allowance / Loans | 1.26% | 1.27% | 1.04% | 0.99% | 1.04% | 1.08% | 1.11% | 1.16% | +18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.0x | 7.2x | 10.7x | 19.8x | 47.8x | +45.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.27% | 9.60% | 9.60% | 9.50% | 9.61% | 9.86% | 10.18% | 9.89% | +40 bps | |
| Total Risk-Based Capital | 15.36% | 15.62% | 14.83% | 15.32% | 15.71% | 16.33% | 16.45% | 17.23% | +192 bps | |
| Equity / Assets | 10.02% | 10.19% | 8.81% | 9.41% | 9.62% | 9.97% | 9.51% | 9.43% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.56% | 64.22% | 62.68% | 61.92% | 60.02% | 61.96% | 58.05% | 55.66% | -625 bps | |
| Liquid Assets / Assets | 0.43% | 0.42% | 0.08% | 0.11% | 0.66% | 0.09% | 4.24% | 8.93% | +882 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |