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Central Bank and Trust Company

Hutchinson, KS · Cert 11772

FDIC · 6 branches

Q1 2019

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 2019, the quarter ended March 31, 2019, 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

Central Bank and Trust Company

Hutchinson, KS · Cert 11772

FDIC · 6 branches

Q1 2019

$303.8MAssets
$196.5MLoans
$246.2MDeposits
$55.4MEquity
Loan mix
74%RE $99.4M24%C&I $32.6M1%Consumer $1.6MQ1 2018Q1 2019
Deposit mix
80%Interest-bearing $196.4M20%Noninterest $49.8MQ1 2018Q1 2019

NIM

3.94%Q1 ’174.09%Q1 ’184.42%Q1 ’19-3%+13%

Non-interest income vs. expense

2.71%Q1 ’172.57%Q1 ’182.97%Q1 ’19-34%+88%

Market Position · Wichita, KS · 2018 SOD (annual) · 0.1% share · #46 of 52 inst. · $0.0B of $15.8B

21.1% Reno
0.2% Sedgwick

Executive Summary

  • Earnings: ROA of 1.38%, down 87 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.24% of loans (+12 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.44%, up 51 bps from a year ago.
  • Funding: loans stand at 79.84% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.38%-87 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+44 bps YoY

Efficiency Ratio (YTD, annualized)

61.34%+984 bps YoY

Tier 1 Leverage Ratio

10.44%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets2.24%0.61%0.97%1.11%1.38%-87 bps
Return on Equity24.18%5.13%7.28%7.82%7.69%-1,649 bps
Net Interest Margin3.49%1.29%2.24%2.71%3.92%+44 bps
Efficiency Ratio51.50%56.75%54.42%55.37%61.34%+984 bps
Non-Interest Burden1.06%0.52%0.95%1.22%1.99%+93 bps
Growth
Asset Growth (YoY)4.08%11.21%4.25%-3.05%-1.42%-551 bps
Loan Growth (YoY)7.32%4.24%-6.24%-15.30%-21.53%-2,886 bps
Deposit Growth (YoY)2.54%0.48%-4.74%-12.32%-7.51%-1,005 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.14%0.36%0.14%0.24%+12 bps
Net Charge-Offs / Loans0.04%0.00%0.00%0.13%0.04%+1 bps
Allowance / Loans1.45%0.02%0.10%0.04%0.11%-135 bps
Allowance Coverage of NPLs12.1x0.1x0.3x0.3x0.4x-11.6x
Capital
Tier 1 Leverage Ratio9.93%10.50%10.24%10.37%10.44%+51 bps
Total Risk-Based Capital12.97%11.92%12.49%13.36%13.74%+78 bps
Equity / Assets9.77%17.27%17.64%17.61%18.23%+846 bps
Liquidity & Funding
Loans / Deposits94.11%93.08%88.55%82.36%79.84%-1,427 bps
Liquid Assets / Assets1.26%0.95%1.99%4.77%1.53%+28 bps
CRE / Total Capitaln/an/an/an/an/an/an/a