Norton, KS · Cert 4741
FDIC · 2 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Norton, KS · Cert 4741
FDIC · 2 branches
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.14% | -1.72% | -0.58% | -0.11% | 0.09% | 0.82% | 0.07% | +65 bps | |
| Return on Equity | 8.12% | 7.86% | -12.47% | -4.32% | -0.87% | 0.74% | 6.78% | 0.57% | +489 bps | |
| Net Interest Margin | 3.11% | 3.12% | 3.10% | 3.17% | 3.19% | 3.23% | 3.32% | 3.42% | +25 bps | |
| Efficiency Ratio | 92.61% | 94.54% | 85.66% | 84.96% | 82.95% | 82.77% | 77.70% | 79.48% | -548 bps | |
| Non-Interest Burden | 3.23% | 3.21% | 4.80% | 3.74% | 3.30% | 3.14% | 2.51% | 2.64% | -110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.52% | 2.68% | 2.00% | -2.38% | 9.05% | 0.13% | -0.47% | -3.93% | -155 bps | |
| Loan Growth (YoY) | -10.37% | 2.76% | 10.26% | 12.75% | 14.91% | 3.16% | 4.57% | -2.10% | -1,485 bps | |
| Deposit Growth (YoY) | -7.96% | 2.97% | 2.28% | 4.03% | 13.97% | -1.52% | -1.49% | -3.26% | -729 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 | -0.15% | -0.11% | -0.03% | 0.01% | 0.00% | -0.01% | -0.03% | -0.03% | -4 bps | |
| Allowance / Loans | 2.97% | 2.75% | 2.76% | 2.66% | 2.59% | 2.67% | 2.65% | 2.74% | +8 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 | 24.30% | 22.56% | 24.01% | 20.99% | 21.19% | 19.87% | 19.90% | 17.41% | -358 bps | |
| Equity / Assets | 15.23% | 14.39% | 13.14% | 12.81% | 11.39% | 11.87% | 12.18% | 13.36% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.91% | 62.23% | 59.90% | 61.56% | 62.42% | 65.18% | 63.59% | 62.30% | +74 bps | |
| Liquid Assets / Assets | 15.51% | 10.34% | 6.26% | 0.08% | 0.19% | 0.17% | 0.05% | 32.80% | +3,272 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |