Parsons, KS · Charter 61254
Q4 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.44% | 0.38% | 0.40% | -0.01% | -0.06% | 0.11% | 0.11% | -29 bps | |
| Return on Equity | 4.46% | 4.63% | 4.17% | 4.25% | -0.16% | -0.60% | 1.20% | 1.18% | -307 bps | |
| Net Interest Margin | 2.85% | 2.90% | 2.76% | 2.74% | 2.30% | 2.36% | 2.46% | 2.51% | -24 bps | |
| Efficiency Ratio | 87.00% | 86.58% | 87.58% | 87.09% | 100.55% | 102.07% | 95.97% | 96.12% | +903 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.87% | 8.28% | 12.96% | 11.01% | 5.81% | 4.94% | 0.05% | -0.39% | -1,141 bps | |
| Loan Growth (YoY) | -1.03% | -7.43% | -9.49% | -13.94% | -23.71% | 7.00% | -5.47% | 3.07% | +1,702 bps | |
| Share Growth (YoY) | 9.60% | 9.06% | 14.50% | 11.11% | 6.47% | 4.71% | -0.38% | -0.66% | -1,177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.13% | 1.97% | 2.05% | 2.43% | 2.78% | 1.99% | 2.90% | 3.58% | +115 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 | 0.33% | 0.35% | 0.35% | 0.39% | 0.43% | 0.33% | 0.37% | 0.38% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.37% | 9.41% | 9.21% | 9.35% | 9.14% | 9.12% | 9.40% | 9.50% | +15 bps | |
| Net Worth / Assets | 9.37% | 9.41% | 9.21% | 9.35% | 9.14% | 9.12% | 9.40% | 9.50% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.44% | 42.45% | 41.30% | 37.09% | 32.56% | 43.38% | 39.18% | 38.49% | +139 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |