PackageTrendsPeer
Letter portraitLegal landscape

Plainville State Bank, The

Plainville, KS · Cert 10925

FDIC · 2 branches

Q4 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Plainville State Bank, The

Plainville, KS · Cert 10925

FDIC · 2 branches

Q4 2016

$60.4MAssets
$22.5MLoans
$43.0MDeposits
$8.2MEquity
Loan mix
51%RE $8.1M48%C&I $7.7M1%Consumer $0.2MQ4 2015Q4 2016
Deposit mix
76%Interest-bearing $32.8M24%Noninterest $10.1MQ4 2015Q4 2016

NIM

3.73%Q4 ’143.80%Q4 ’153.45%Q4 ’16+4%-10%

Non-interest income vs. expense

2.35%Q4 ’142.51%Q4 ’152.19%Q4 ’16+2%-32%

Executive Summary

  • Earnings: ROA of 1.22%, up 48 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.08%, up 129 bps from a year ago.
  • Funding: loans stand at 52.30% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

1.22%+48 bps YoY

Net Interest Margin (YTD, annualized)

2.76%-31 bps YoY

Efficiency Ratio (YTD, annualized)

60.25%-949 bps YoY

Tier 1 Leverage Ratio

14.08%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.74%1.21%1.26%1.25%1.22%+48 bps
Return on Equity5.96%9.06%9.22%9.13%8.90%+294 bps
Net Interest Margin3.07%3.02%2.89%2.85%2.76%-31 bps
Efficiency Ratio69.74%56.71%61.78%61.46%60.25%-949 bps
Non-Interest Burden2.09%1.44%1.61%1.60%1.43%-66 bps
Growth
Asset Growth (YoY)-12.35%-6.24%-2.94%-0.31%-2.20%+1,015 bps
Loan Growth (YoY)-18.92%-15.40%-15.28%-14.23%-6.07%+1,285 bps
Deposit Growth (YoY)-10.50%-8.42%-5.53%-1.37%-6.50%+401 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%-0.02%-0.01%-0.01%0.00%-3 bps
Allowance / Loans1.53%1.65%1.67%1.71%1.73%+20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.79%13.03%13.52%13.91%14.08%+129 bps
Total Risk-Based Capital30.06%32.18%33.61%34.01%34.09%+403 bps
Equity / Assets13.16%13.56%14.14%14.07%13.53%+37 bps
Liquidity & Funding
Loans / Deposits52.06%50.62%52.32%50.50%52.30%+24 bps
Liquid Assets / Assets4.34%4.05%5.30%4.30%1.96%-238 bps
CRE / Total Capitaln/an/an/an/an/an/an/a