Victoria, KS · Charter 67817
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Victoria, KS · Charter 67817
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 | -0.10% | -0.07% | -0.27% | -0.33% | -1.07% | -0.97% | -1.48% | -1.40% | -107 bps | |
| Return on Equity | -0.76% | -0.55% | -2.02% | -2.57% | -8.27% | -7.68% | -11.86% | -10.55% | -798 bps | |
| Net Interest Margin | 3.83% | 3.85% | 3.83% | 3.71% | 3.47% | 3.45% | 3.60% | 3.78% | +6 bps | |
| Efficiency Ratio | 102.44% | 101.75% | 106.51% | 108.30% | 128.89% | 125.51% | 138.15% | 133.93% | +2,562 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | 4.14% | -6.44% | -3.30% | -4.02% | -2.22% | -4.86% | -12.22% | -892 bps | |
| Loan Growth (YoY) | 2.25% | 4.49% | -15.86% | -18.80% | -10.83% | -10.80% | -8.83% | -8.13% | +1,068 bps | |
| Share Growth (YoY) | 2.10% | 5.43% | -7.14% | -0.86% | -4.07% | -1.75% | -4.28% | -14.55% | -1,369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.35% | 0.91% | 1.54% | 0.00% | 1.40% | 0.00% | 0.00% | 0.92% | +92 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 | 2.34% | 2.38% | 1.60% | 1.69% | 1.62% | 1.64% | 1.75% | 1.84% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.00% | 13.06% | 13.11% | 12.84% | 12.96% | 12.58% | 12.52% | 13.23% | +39 bps | |
| Net Worth / Assets | 13.00% | 13.06% | 13.11% | 12.84% | 12.96% | 12.58% | 12.52% | 13.23% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.14% | 66.60% | 62.18% | 58.11% | 62.40% | 60.47% | 59.23% | 62.47% | +437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |