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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.87% | 0.79% | 0.72% | 0.67% | 0.50% | 0.60% | 0.73% | +1 bps | |
| Return on Equity | 6.63% | 6.20% | 5.82% | 5.40% | 5.08% | 3.98% | 4.85% | 5.86% | +46 bps | |
| Net Interest Margin | 3.55% | 3.42% | 3.12% | 2.82% | 2.81% | 2.78% | 2.76% | 2.81% | -1 bps | |
| Efficiency Ratio | 67.94% | 67.01% | 67.61% | 69.31% | 71.67% | 75.80% | 73.29% | 69.20% | -11 bps | |
| Non-Interest Burden | 2.25% | 2.16% | 1.99% | 1.85% | 1.91% | 2.01% | 1.92% | 1.84% | -1 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% | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | 0 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 |