Great Bend, KS · Cert 57144
FDIC · 17 branches
Q3 2021
Market Position · Wichita, KS · 2021 SOD (annual) · 0.9% share · #15 of 48 inst. · $0.2B of $21.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.87% | 0.73% | 0.58% | 0.52% | 0.50% | 0.71% | 0.98% | +40 bps | |
| Return on Equity | 6.82% | 6.20% | 5.44% | 4.57% | 4.13% | 3.98% | 5.75% | 7.87% | +330 bps | |
| Net Interest Margin | 3.66% | 3.42% | 3.07% | 2.79% | 2.77% | 2.78% | 2.83% | 2.99% | +20 bps | |
| Efficiency Ratio | 66.58% | 67.01% | 68.23% | 72.71% | 78.73% | 75.80% | 70.90% | 61.65% | -1,106 bps | |
| Non-Interest Burden | 2.27% | 2.16% | 1.97% | 1.92% | 2.08% | 2.01% | 1.90% | 1.71% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.79% | 1.00% | 19.41% | 18.94% | 15.84% | 18.06% | 3.91% | 2.28% | -1,666 bps | |
| Loan Growth (YoY) | -3.98% | 4.94% | 15.37% | 13.46% | 12.22% | 13.57% | 2.81% | -4.93% | -1,839 bps | |
| Deposit Growth (YoY) | -4.72% | -2.85% | 19.35% | 20.08% | 18.33% | 23.16% | 4.84% | 2.94% | -1,714 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.01% | 0.99% | 0.93% | 0.87% | 0.83% | 0.79% | 0.79% | 0.82% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.15% | 1.17% | 1.12% | 1.12% | 1.16% | 1.17% | 1.19% | 1.24% | +13 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.2x | 1.3x | 1.4x | 1.5x | 1.5x | 1.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 11.65% | 10.90% | 10.06% | 10.17% | 10.30% | 10.11% | 10.17% | +11 bps | |
| Total Risk-Based Capital | 14.73% | 11.65% | 10.90% | 10.06% | 10.17% | 10.30% | 10.11% | 10.17% | +11 bps | |
| Equity / Assets | 13.80% | 14.28% | 12.72% | 12.63% | 12.68% | 12.29% | 12.35% | 12.47% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.26% | 79.55% | 72.88% | 74.38% | 72.32% | 73.36% | 71.47% | 68.69% | -569 bps | |
| Liquid Assets / Assets | 0.46% | 0.51% | 0.83% | 0.63% | 0.37% | 0.41% | 0.45% | 0.58% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |