Coffeyville, KS · Charter 67828
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Coffeyville, KS · Charter 67828
Q1 2015
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.04% | 0.01% | -51.11% | -26.32% | -17.63% | -13.27% | 0.05% | +5,116 bps | |
| Return on Equity | 0.97% | -0.22% | 0.04% | -620% | -300% | -199.62% | -144.03% | 0.54% | +62,066 bps | |
| Net Interest Margin | 2.92% | 2.79% | 2.61% | 2.62% | 3.03% | 3.26% | 3.32% | 4.56% | +194 bps | |
| Efficiency Ratio | 75.85% | 83.46% | 85.25% | n/a | n/a | n/a | 2655% | 98.82% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.20% | -1.18% | -1.64% | -12.71% | -14.50% | -16.12% | -17.20% | -13.40% | -69 bps | |
| Loan Growth (YoY) | -5.33% | 6.77% | -5.92% | -20.95% | -31.70% | -18.39% | -17.19% | -16.11% | +484 bps | |
| Share Growth (YoY) | -11.03% | -1.47% | -2.09% | -1.86% | -3.87% | -6.14% | -7.58% | -15.00% | -1,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.85% | 23.49% | 22.77% | 12.78% | 9.08% | 7.38% | 7.90% | 8.64% | -415 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 | 0.21% | 0.40% | 0.41% | 0.00% | 0.58% | 0.53% | 0.55% | 5.26% | +526 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.83% | 18.52% | 18.68% | 8.24% | 8.76% | 8.83% | 9.21% | 9.96% | +172 bps | |
| Net Worth / Assets | 18.83% | 18.52% | 18.68% | 8.24% | 8.76% | 8.83% | 9.21% | 9.96% | +172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.32% | 83.21% | 81.67% | 67.09% | 64.88% | 72.34% | 73.17% | 66.21% | -88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |