Delphos, KS · Cert 9660
FDIC · 3 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Delphos, KS · Cert 9660
FDIC · 3 branches
Q4 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.30% | 1.32% | 1.21% | 0.66% | 0.93% | 1.02% | 1.09% | -12 bps | |
| Return on Equity | 10.15% | 13.87% | 13.93% | 12.61% | 6.44% | 9.14% | 9.97% | 10.60% | -201 bps | |
| Net Interest Margin | 3.70% | 3.72% | 3.76% | 3.87% | 3.72% | 3.80% | 3.82% | 3.79% | -8 bps | |
| Efficiency Ratio | 74.33% | 66.30% | 65.39% | 68.23% | 81.48% | 74.80% | 72.97% | 71.44% | +322 bps | |
| Non-Interest Burden | 2.69% | 2.40% | 2.41% | 2.58% | 3.01% | 2.81% | 2.75% | 2.66% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.77% | 3.81% | -3.13% | -1.03% | -2.61% | -6.72% | -3.47% | -1.73% | -70 bps | |
| Loan Growth (YoY) | 13.81% | 14.92% | 1.91% | 6.12% | 4.02% | -1.65% | -1.12% | -0.34% | -647 bps | |
| Deposit Growth (YoY) | -1.88% | 0.93% | 1.97% | 0.20% | -0.73% | -4.33% | -3.36% | 5.64% | +544 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.02% | 0.04% | 0.11% | 0.10% | +10 bps | |
| Allowance / Loans | 1.30% | 1.22% | 1.27% | 1.23% | 1.25% | 1.22% | 1.20% | 1.14% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.79% | 12.98% | 13.99% | 14.03% | 14.26% | 14.07% | 14.65% | 14.45% | +41 bps | |
| Equity / Assets | 9.54% | 9.04% | 9.87% | 10.13% | 10.28% | 10.09% | 10.47% | 10.66% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.62% | 94.53% | 91.33% | 100.01% | 91.82% | 97.18% | 93.45% | 94.34% | -567 bps | |
| Liquid Assets / Assets | 19.20% | 18.06% | 17.70% | 15.27% | 15.79% | 15.94% | 15.37% | 15.39% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |