Stockton, KS · Cert 4777
FDIC · 5 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Stockton, KS · Cert 4777
FDIC · 5 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.70% | 0.72% | 0.74% | 0.78% | 0.83% | 0.75% | 0.86% | +12 bps | |
| Return on Equity | 5.07% | 6.08% | 6.74% | 7.05% | 7.39% | 7.91% | 6.99% | 8.05% | +99 bps | |
| Net Interest Margin | 2.71% | 2.71% | 3.21% | 3.28% | 3.19% | 3.26% | 3.34% | 3.57% | +29 bps | |
| Efficiency Ratio | 78.26% | 76.25% | 75.52% | 74.70% | 74.18% | 73.08% | 75.51% | 72.38% | -232 bps | |
| Non-Interest Burden | 2.06% | 1.99% | 2.31% | 2.34% | 2.26% | 2.27% | 2.41% | 2.46% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 50.84% | 47.25% | 46.92% | 55.00% | 5.91% | 3.91% | 0.57% | -0.06% | -5,506 bps | |
| Loan Growth (YoY) | 50.47% | 56.70% | 50.58% | 52.47% | 9.91% | 9.07% | 12.52% | 19.79% | -3,268 bps | |
| Deposit Growth (YoY) | 50.46% | 46.68% | 48.39% | 46.36% | -2.73% | -2.30% | -6.88% | -3.69% | -5,005 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 | -0.02% | -0.01% | 0.13% | 0.06% | -0.09% | -0.07% | -0.04% | -0.13% | -19 bps | |
| Allowance / Loans | 1.50% | 1.53% | 1.62% | 1.59% | 1.64% | 1.67% | 1.75% | 1.67% | +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 | 10.10% | 10.32% | 10.00% | 10.07% | 10.20% | 10.47% | +15 bps | |
| Total Risk-Based Capital | 15.46% | 15.45% | 15.96% | 13.80% | 13.12% | 13.09% | 13.53% | 12.77% | -103 bps | |
| Equity / Assets | 10.80% | 10.66% | 10.70% | 10.31% | 10.36% | 10.58% | 10.84% | 10.73% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.51% | 76.70% | 71.28% | 78.36% | 84.19% | 85.63% | 86.14% | 97.46% | +1,910 bps | |
| Liquid Assets / Assets | 6.59% | 8.67% | 8.63% | 8.35% | 6.79% | 7.09% | 7.13% | 6.97% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |