Neodesha, KS · Cert 4736
FDIC · 5 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Neodesha, KS · Cert 4736
FDIC · 5 branches
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.59% | 1.77% | 1.74% | 1.73% | 1.73% | +14 bps | |
| Return on Equity | 16.14% | 18.44% | 18.01% | 17.70% | 17.80% | +166 bps | |
| Net Interest Margin | 3.77% | 3.70% | 3.73% | 3.73% | 3.66% | -11 bps | |
| Efficiency Ratio | 60.30% | 55.31% | 56.82% | 57.17% | 55.97% | -433 bps | |
| Non-Interest Burden | 2.06% | 1.81% | 1.89% | 1.91% | 1.79% | -27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.23% | 7.71% | 8.94% | 10.66% | 7.85% | +162 bps | |
| Loan Growth (YoY) | 0.68% | 5.16% | 6.74% | 8.87% | 10.33% | +965 bps | |
| Deposit Growth (YoY) | 6.30% | 9.23% | 10.60% | 11.91% | 8.92% | +261 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.79% | 0.77% | 0.75% | 0.73% | +72 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.03% | 1.03% | 1.01% | 1.00% | 1.09% | +6 bps | |
| Allowance Coverage of NPLs | 163.4x | 1.3x | 1.3x | 1.3x | 1.5x | -161.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.78% | 9.52% | 9.55% | 9.80% | 9.59% | -19 bps | |
| Total Risk-Based Capital | 14.78% | 14.99% | 14.95% | 14.89% | 14.32% | -46 bps | |
| Equity / Assets | 9.53% | 9.70% | 9.80% | 9.97% | 9.56% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.14% | 87.83% | 89.30% | 92.78% | 89.29% | +114 bps | |
| Liquid Assets / Assets | 19.48% | 18.70% | 16.01% | 16.08% | 18.01% | -147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |