Topeka, KS · Charter 61111
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | -0.14% | -0.13% | -1.00% | -0.93% | -0.83% | -1.01% | -1.27% | -27 bps | |
| Return on Equity | 8.18% | -1.89% | -1.78% | -14.51% | -13.93% | -12.40% | -15.63% | -22.62% | -811 bps | |
| Net Interest Margin | 3.29% | 3.43% | 3.54% | 3.14% | 3.04% | 3.11% | 3.18% | 2.75% | -40 bps | |
| Efficiency Ratio | 98.46% | 108.76% | 111.10% | 114.43% | 115.89% | 116.84% | 117.75% | 124.70% | +1,027 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.22% | 0.76% | -2.98% | -5.55% | -1.23% | 0.52% | 0.98% | 4.06% | +961 bps | |
| Loan Growth (YoY) | -1.71% | 6.15% | 6.10% | 5.39% | 3.57% | -6.33% | -6.70% | -10.19% | -1,558 bps | |
| Share Growth (YoY) | 1.34% | 0.39% | -2.90% | -5.61% | -0.27% | 1.92% | 2.40% | 5.25% | +1,086 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 1.32% | 1.19% | 1.18% | 1.18% | 1.23% | 1.65% | 1.91% | +72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.62% | 0.43% | 0.55% | 0.59% | 0.51% | 0.65% | 0.82% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.46% | 7.34% | 7.58% | 6.91% | 6.65% | 6.66% | 6.49% | 5.63% | -128 bps | |
| Net Worth / Assets | 7.46% | 7.34% | 7.58% | 6.91% | 6.65% | 6.66% | 6.49% | 5.63% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.91% | 77.08% | 79.06% | 72.52% | 71.55% | 70.84% | 72.03% | 61.88% | -1,064 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |