Topeka, KS · Cert 58000
FDIC · 3 branches
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, 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.
Topeka, KS · Cert 58000
FDIC · 3 branches
Q1 2022
Market Position · Topeka, KS · 2021 SOD (annual) · 2.4% share · #8 of 33 inst. · $0.2B of $6.2B
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.02% | 1.06% | 1.09% | 1.23% | 1.22% | 0.06% | 0.64% | -45 bps | |
| Return on Equity | 12.06% | 12.28% | 12.71% | 12.81% | 14.08% | 13.69% | 0.64% | 4.93% | -788 bps | |
| Net Interest Margin | 4.34% | 3.95% | 3.78% | 3.46% | 3.66% | 3.57% | 0.14% | 3.31% | -14 bps | |
| Efficiency Ratio | 55.03% | 58.14% | 58.57% | 61.99% | 60.53% | 61.09% | 60.85% | 72.71% | +1,072 bps | |
| Non-Interest Burden | 1.91% | 1.82% | 1.75% | 1.80% | 1.88% | 1.86% | 0.08% | 2.19% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.03% | 23.48% | 15.69% | 12.24% | -4.33% | -6.67% | 13.71% | 3.20% | -904 bps | |
| Loan Growth (YoY) | 18.61% | 12.03% | 7.10% | 0.58% | -6.05% | -4.96% | -4.47% | -2.58% | -316 bps | |
| Deposit Growth (YoY) | 17.33% | 16.34% | 16.88% | 11.36% | 1.70% | 0.04% | 9.50% | -1.18% | -1,254 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.06% | 0.12% | 0.12% | 0.30% | 0.00% | 0.04% | 0.05% | -8 bps | |
| Net Charge-Offs / Loans | 0.83% | 0.59% | 0.47% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.97% | 1.06% | 1.11% | 1.16% | 1.19% | 1.23% | 0.00% | 0.04% | -111 bps | |
| Allowance Coverage of NPLs | 17.7x | 16.5x | 9.0x | 9.3x | 3.9x | n/a | 0.0x | 0.9x | -8.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.23% | 8.23% | 8.32% | 8.36% | 8.82% | 8.92% | 8.82% | 8.57% | +21 bps | |
| Total Risk-Based Capital | 8.23% | 8.23% | 8.32% | 8.36% | 8.82% | 8.92% | 10.61% | 10.60% | +224 bps | |
| Equity / Assets | 7.89% | 7.98% | 8.40% | 8.62% | 9.17% | 9.52% | 12.45% | 13.62% | +500 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.79% | 102.58% | 95.80% | 95.25% | 100.50% | 97.45% | 83.58% | 93.90% | -135 bps | |
| Liquid Assets / Assets | 6.01% | 11.34% | 9.75% | 10.66% | 7.46% | 8.93% | 19.67% | 4.51% | -616 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |