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Montezuma State Bank, The

Montezuma, KS · Cert 12692

FDIC

Q4 2013

$97.1MAssets
$31.5MLoans
$91.4MDeposits
$5.6MEquity
Loan mix
68%RE $5.3M19%C&I $1.5M13%Consumer $1.0MQ4 2012Q4 2013
Deposit mix
44%Interest-bearing $39.8M56%Noninterest $51.6MQ4 2012Q4 2013

NIM

3.59%Q4 ’112.57%Q4 ’122.21%Q4 ’13-26%-12%

Non-interest income vs. expense

2.07%Q4 ’112.01%Q4 ’121.76%Q4 ’13-12%-4%

Executive Summary

  • Earnings: ROA of -4.93%, down 789 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 34.41% of deposits as of Q4 2013.

Financial Results

Return on Assets (quarter, annualized)

-4.93%-789 bps YoY

Net Interest Margin (quarter, annualized)

2.09%-28 bps YoY

Efficiency Ratio (quarter, annualized)

81.49%+479 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets2.96%10.41%0.39%0.18%-4.93%-789 bps
Return on Equity42.01%6.63%6.66%3.35%-87.66%-12,967 bps
Net Interest Margin2.37%1.89%1.84%2.12%2.09%-28 bps
Efficiency Ratio76.69%88.65%79.59%92.93%81.49%+479 bps
Non-Interest Burden1.75%1.68%1.44%1.97%1.69%-7 bps
Growth
Asset Growth (YoY)23.16%19.82%5.16%-1.81%-16.35%-3,951 bps
Loan Growth (YoY)-5.54%-11.98%-6.43%25.38%16.62%+2,217 bps
Deposit Growth (YoY)13.18%17.09%7.22%0.79%-2.82%-1,600 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.02%-0.03%-0.03%-0.01%0 bps
Allowance / Loans1.91%2.51%2.22%1.79%1.66%-25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital19.35%22.27%20.61%18.43%14.54%-481 bps
Equity / Assets6.32%6.14%5.42%5.47%5.78%-54 bps
Liquidity & Funding
Loans / Deposits28.68%19.72%24.63%31.32%34.41%+574 bps
Liquid Assets / Assets4.42%3.94%3.91%0.01%36.05%+3,163 bps
CRE / Total Capitaln/an/an/an/an/an/an/a