Wichita, KS · Cert 58122
FDIC · 1 branch
Q2 2015
Market Position · Wichita, KS · 2015 SOD (annual) · 0.3% share · #42 of 56 inst. · $0.0B of $14.4B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.10% | 0.51% | 0.75% | 0.80% | 0.87% | 0.86% | -0.58% | -133 bps | |
| Return on Equity | 11.67% | 11.21% | 5.23% | 7.49% | 7.97% | 8.59% | 8.20% | -5.97% | -1,347 bps | |
| Net Interest Margin | 3.90% | 3.88% | 3.67% | 3.78% | 3.71% | 3.65% | 3.35% | 3.35% | -42 bps | |
| Efficiency Ratio | 67.90% | 68.59% | 80.49% | 76.23% | 75.74% | 74.52% | 72.62% | 114.56% | +3,833 bps | |
| Non-Interest Burden | 2.59% | 2.60% | 2.92% | 2.84% | 2.77% | 2.68% | 2.39% | 3.86% | +102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.50% | 3.96% | 4.35% | 3.98% | 0.30% | -0.50% | -0.66% | -4.40% | -839 bps | |
| Loan Growth (YoY) | 3.70% | 2.78% | 0.68% | 1.65% | -3.52% | -5.84% | -9.53% | -12.13% | -1,378 bps | |
| Deposit Growth (YoY) | 10.27% | 0.54% | 1.24% | 2.65% | 0.09% | -1.05% | -1.26% | -1.93% | -459 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.13% | -0.02% | 0.47% | 0.55% | 0.47% | 0.00% | 0.03% | -45 bps | |
| Allowance / Loans | 1.82% | 1.90% | 2.02% | 1.71% | 1.65% | 1.65% | 1.76% | 1.72% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 10.62% | 7.91% | n/a | |
| Total Risk-Based Capital | 14.70% | 14.19% | 14.53% | 14.50% | 15.88% | 16.54% | 17.16% | 13.70% | -80 bps | |
| Equity / Assets | 9.93% | 9.71% | 9.93% | 10.40% | 10.31% | 10.39% | 10.62% | 8.22% | -219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.44% | 90.75% | 89.87% | 96.70% | 88.15% | 86.35% | 82.34% | 86.64% | -1,006 bps | |
| Liquid Assets / Assets | 13.66% | 14.28% | 15.21% | 10.46% | 13.18% | 16.52% | 20.04% | 16.18% | +572 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |