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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.36% | 1.21% | -3.19% | 0.64% | -45 bps | |
| Return on Equity | 12.81% | 15.34% | 12.92% | -28.72% | 4.93% | -788 bps | |
| Net Interest Margin | 3.46% | 3.80% | 3.50% | -10.00% | 3.31% | -14 bps | |
| Efficiency Ratio | 61.99% | 59.11% | 62.24% | 60.85% | 72.71% | +1,072 bps | |
| Non-Interest Burden | 1.80% | 1.93% | 1.87% | -4.94% | 2.19% | +39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.24% | -4.33% | -6.67% | 13.71% | 3.20% | -904 bps | |
| Loan Growth (YoY) | 0.58% | -6.05% | -4.96% | -4.47% | -2.58% | -316 bps | |
| Deposit Growth (YoY) | 11.36% | 1.70% | 0.04% | 9.50% | -1.18% | -1,254 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.30% | 0.00% | 0.04% | 0.05% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.16% | 1.19% | 1.23% | 0.00% | 0.04% | -111 bps | |
| Allowance Coverage of NPLs | 9.3x | 3.9x | n/a | 0.0x | 0.9x | -8.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.36% | 8.82% | 8.92% | 8.82% | 8.57% | +21 bps | |
| Total Risk-Based Capital | 8.36% | 8.82% | 8.92% | 10.61% | 10.60% | +224 bps | |
| Equity / Assets | 8.62% | 9.17% | 9.52% | 12.45% | 13.62% | +500 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.25% | 100.50% | 97.45% | 83.58% | 93.90% | -135 bps | |
| Liquid Assets / Assets | 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 |