Osborne, KS · Cert 4748
FDIC · 2 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.25% | 1.31% | 1.30% | 2.03% | 1.69% | 1.59% | 1.52% | +22 bps | |
| Return on Equity | 10.90% | 11.01% | 11.50% | 11.41% | 17.46% | 14.42% | 13.38% | 12.60% | +119 bps | |
| Net Interest Margin | 3.54% | 3.55% | 3.57% | 3.58% | 3.64% | 3.59% | 3.64% | 3.53% | -5 bps | |
| Efficiency Ratio | 65.69% | 64.88% | 63.65% | 63.63% | 53.81% | 56.73% | 59.32% | 59.98% | -364 bps | |
| Non-Interest Burden | 2.29% | 2.26% | 2.22% | 2.23% | 1.61% | 1.82% | 2.00% | 1.98% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.22% | 1.95% | 5.29% | 5.06% | 6.86% | 6.24% | 2.90% | 0.81% | -425 bps | |
| Loan Growth (YoY) | -4.41% | -0.63% | 3.75% | 4.69% | 4.17% | 1.25% | 2.77% | -1.83% | -652 bps | |
| Deposit Growth (YoY) | 1.42% | 0.42% | 2.93% | 1.97% | 3.39% | 2.21% | 3.06% | -0.33% | -230 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.05% | 0.09% | 0.04% | 0.10% | 0.00% | 1.00% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.04% | -0.02% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.51% | 1.41% | 1.38% | 1.37% | 1.46% | 1.40% | 1.36% | 1.41% | +4 bps | |
| Allowance Coverage of NPLs | 2.6x | 29.1x | 16.2x | 32.5x | 14.3x | n/a | 1.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.33% | 11.57% | 11.62% | 11.84% | 11.79% | 12.17% | 12.71% | 12.74% | +90 bps | |
| Total Risk-Based Capital | 16.90% | 16.30% | 16.39% | 16.79% | 17.98% | 17.99% | 18.12% | 18.94% | +215 bps | |
| Equity / Assets | 11.29% | 11.39% | 11.48% | 11.54% | 11.74% | 11.92% | 12.43% | 12.66% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.98% | 71.08% | 73.77% | 71.42% | 66.48% | 70.41% | 73.56% | 70.35% | -107 bps | |
| Liquid Assets / Assets | 26.81% | 24.32% | 24.19% | 22.28% | 26.10% | 26.05% | 20.65% | 21.00% | -128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |