Wichita, KS · Charter 61925
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.27% | -1.32% | -1.23% | -1.20% | -0.55% | -0.46% | -0.50% | -0.55% | +65 bps | |
| Return on Equity | -16.30% | -17.34% | -17.49% | -17.33% | -8.05% | -6.89% | -7.68% | -8.17% | +915 bps | |
| Net Interest Margin | 4.34% | 4.38% | 4.22% | 4.34% | 4.27% | 4.16% | 4.10% | 4.31% | -3 bps | |
| Efficiency Ratio | 123.27% | 123.60% | 122.67% | 121.35% | 109.67% | 108.32% | 109.07% | 109.44% | -1,191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.21% | -0.46% | 4.26% | 3.88% | -1.19% | 1.55% | -1.56% | -4.98% | -886 bps | |
| Loan Growth (YoY) | -12.94% | -12.26% | 20.64% | 10.95% | 15.47% | 16.02% | -16.48% | -25.74% | -3,669 bps | |
| Share Growth (YoY) | 0.19% | 0.57% | 1.12% | 4.26% | 2.64% | 2.80% | 3.72% | -3.69% | -795 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.77% | 0.90% | 0.60% | 0.65% | 0.70% | 0.88% | 1.17% | +57 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 | 1.71% | 1.61% | 1.16% | 1.28% | 1.28% | 1.29% | 1.11% | 1.40% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.77% | 7.60% | 7.03% | 6.92% | 6.84% | 6.70% | 6.51% | 6.73% | -19 bps | |
| Net Worth / Assets | 7.77% | 7.60% | 7.03% | 6.92% | 6.84% | 6.70% | 6.51% | 6.73% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.90% | 76.48% | 100.83% | 89.49% | 88.76% | 86.32% | 81.19% | 69.00% | -2,049 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |