Pratt, KS · Cert 4760
FDIC · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 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.
Pratt, KS · Cert 4760
FDIC · 1 branch
Q2 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11%1 | 0.23% | 0.55% | 0.49% | 0.23% | -0.41% | 0.59% | 0.86% | +38 bps | |
| Return on Equity | 0.92% | 1.88% | 4.78% | 4.14% | 1.93% | -3.59% | 5.63% | 8.14% | +400 bps | |
| Net Interest Margin | 2.98% | 2.91% | 2.83% | 2.86% | 2.85% | 2.77% | 2.88% | 2.96% | +10 bps | |
| Efficiency Ratio | 80.99% | 81.87% | 79.78% | 81.47% | 81.71% | 80.93% | 78.10% | 70.16% | -1,131 bps | |
| Non-Interest Burden | 2.38% | 2.36% | 2.21% | 2.29% | 2.29% | 2.20% | 2.21% | 2.00% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.38% | -3.10% | 0.61% | 0.96% | 5.94% | 5.25% | 0.50% | 2.64% | +167 bps | |
| Loan Growth (YoY) | -6.77% | -7.49% | -10.15% | -9.83% | -1.88% | 4.61% | 1.62% | 1.65% | +1,148 bps | |
| Deposit Growth (YoY) | -8.04% | -0.19% | 3.46% | 0.84% | -0.53% | 0.67% | -2.94% | -0.44% | -128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.89% | 0.63% | 0.60% | 2.54% | 2.61% | 2.67% | +204 bps | |
| Net Charge-Offs / Loans | 1.00% | 0.76% | 0.00% | 0.04% | 0.03% | 1.85% | 0.02% | 0.01% | -3 bps | |
| Allowance / Loans | 1.23% | 1.25% | 1.30% | 1.34% | 1.66% | 1.20% | 1.28% | 1.34% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.5x | 2.1x | 2.8x | 0.5x | 0.5x | 0.5x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.24% | 11.25% | 11.23% | 11.35% | 11.15% | 10.28% | 10.42% | 10.87% | -48 bps | |
| Total Risk-Based Capital | 17.61% | 18.04% | 18.92% | 19.73% | 18.81% | 16.78% | 17.92% | 18.81% | -92 bps | |
| Equity / Assets | 12.52% | 11.49% | 11.57% | 12.33% | 11.75% | 10.54% | 10.55% | 10.77% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.14% | 58.85% | 55.98% | 55.74% | 61.30% | 61.15% | 58.61% | 56.91% | +117 bps | |
| Liquid Assets / Assets | 4.49% | 4.04% | 4.90% | 4.00% | 3.54% | 3.14% | 3.50% | 4.13% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |