Winfield, KS · Cert 4803
FDIC · 10 branches
Q2 2016
Market Position · Wichita, KS · 2016 SOD (annual) · 0.4% share · #37 of 56 inst. · $0.1B of $14.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.64% | 0.47% | 1.08% | 1.51%1 | +81 bps | |
| Return on Equity | 8.15% | 7.41% | 5.45% | 11.83% | 15.43% | +728 bps | |
| Net Interest Margin | 3.21% | 3.11% | 3.25% | 3.22% | 3.28% | +7 bps | |
| Efficiency Ratio | 83.46% | 80.54% | 91.15% | 79.43% | 92.84% | +937 bps | |
| Non-Interest Burden | 2.50% | 2.27% | 2.85% | 2.35% | 2.97% | +46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.71% | 2.90% | 1.36% | -4.37% | -9.62% | -1,432 bps | |
| Loan Growth (YoY) | 12.78% | 10.90% | 9.85% | 9.02% | 1.97% | -1,081 bps | |
| Deposit Growth (YoY) | 4.83% | 0.74% | 0.70% | -7.38% | -9.29% | -1,411 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.05% | 0.03% | -0.01% | 0.03% | +1 bps | |
| Allowance / Loans | 1.25% | 1.35% | 1.35% | 1.42% | 1.37% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.40% | 8.24% | 8.70% | 8.91% | 9.52% | +112 bps | |
| Total Risk-Based Capital | 14.29% | 14.42% | 14.15% | 15.26% | 15.45% | +116 bps | |
| Equity / Assets | 8.45% | 8.74% | 8.65% | 9.62% | 9.99% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.51% | 66.05% | 63.66% | 68.12% | 70.27% | +776 bps | |
| Liquid Assets / Assets | 0.11% | 0.08% | 0.04% | 0.04% | 0.06% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |