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Sylvan State Bank, The

Sylvan Grove, KS · Cert 1149

FDIC · 2 branches

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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

Sylvan State Bank, The

Sylvan Grove, KS · Cert 1149

FDIC · 2 branches

Q1 2017

$266.1MAssets
$214.7MLoans
$219.8MDeposits
$39.7MEquity
Loan mix
40%RE $61.3M60%C&I $90.3M0%Consumer $0.0MQ1 2016Q1 2017
Deposit mix
74%Interest-bearing $163.5M26%Noninterest $56.3MQ1 2016Q1 2017

NIM

5.57%Q1 ’154.63%Q1 ’164.23%Q1 ’17-20%-11%

Non-interest income vs. expense

3.40%Q1 ’153.61%Q1 ’164.80%Q1 ’17-37%+199%

Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.5% share · #33 of 135 inst. · $0.3B of $52.7B

Executive Summary

  • Earnings: ROA of -0.10%, down 174 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 9.42% of loans (+942 bps YoY), with net recoveries of 0.33%.
  • Capital: tier 1 leverage ratio of 11.55%, up 175 bps from a year ago.
  • Funding: loans stand at 97.66% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.10%-174 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-45 bps YoY

Efficiency Ratio (YTD, annualized)

97.20%+4,236 bps YoY

Tier 1 Leverage Ratio

11.55%+175 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets1.64%0.71%-0.33%-0.46%-0.10%-174 bps
Return on Equity12.65%5.44%-2.53%-3.40%-0.68%-1,334 bps
Net Interest Margin4.28%4.22%4.20%4.29%3.83%-45 bps
Efficiency Ratio54.84%56.55%65.71%75.11%97.20%+4,236 bps
Non-Interest Burden1.19%1.01%1.83%2.54%3.54%+236 bps
Growth
Asset Growth (YoY)8.01%5.26%-1.22%-14.79%-12.45%-2,046 bps
Loan Growth (YoY)14.33%5.28%-1.57%-15.00%-11.28%-2,561 bps
Deposit Growth (YoY)8.97%6.83%0.56%-16.31%-13.58%-2,255 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%9.42%+942 bps
Net Charge-Offs / Loans0.27%1.26%1.78%1.59%-0.33%-60 bps
Allowance / Loans0.86%1.37%2.11%2.45%2.64%+178 bps
Allowance Coverage of NPLsn/an/an/an/a0.3xn/an/a
Capital
Tier 1 Leverage Ratio9.80%10.08%9.60%10.58%11.55%+175 bps
Total Risk-Based Capital12.37%12.35%11.57%13.27%13.23%+86 bps
Equity / Assets13.34%13.41%13.32%14.93%14.93%+158 bps
Liquidity & Funding
Loans / Deposits95.13%95.00%97.16%98.20%97.66%+254 bps
Liquid Assets / Assets12.28%10.45%7.65%7.69%8.35%-393 bps
CRE / Total Capitaln/an/an/an/an/an/an/a