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Nekoma State Bank, The

La Crosse, KS · Cert 13603

FDIC · 2 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

Nekoma State Bank, The

La Crosse, KS · Cert 13603

FDIC · 2 branches

Q1 2019

$41.2MAssets
$11.6MLoans
$37.1MDeposits
$3.6MEquity
Loan mix
76%RE $5.8M18%C&I $1.4M5%Consumer $0.4MQ1 2018Q1 2019
Deposit mix
70%Interest-bearing $26.1M30%Noninterest $11.0MQ1 2018Q1 2019

NIM

2.78%Q1 ’172.85%Q1 ’183.01%Q1 ’19+1%+5%

Non-interest income vs. expense

2.54%Q1 ’172.48%Q1 ’182.86%Q1 ’19-1%-3%

Executive Summary

  • Earnings: ROA of -6.96%, down 754 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.00% of loans (-93 bps YoY), with net charge-offs at 2.85%.
  • Capital: tier 1 leverage ratio of 8.22%, down 89 bps from a year ago.
  • Funding: loans stand at 31.39% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-6.96%-754 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+12 bps YoY

Efficiency Ratio (YTD, annualized)

82.98%-333 bps YoY

Tier 1 Leverage Ratio

8.22%-89 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.57%0.37%0.37%0.35%-6.96%-754 bps
Return on Equity6.83%4.43%4.50%4.26%-80.80%-8,763 bps
Net Interest Margin2.68%2.74%2.83%2.82%2.81%+12 bps
Efficiency Ratio86.31%90.49%89.13%89.33%82.98%-333 bps
Non-Interest Burden2.29%2.48%2.51%2.51%2.22%-7 bps
Growth
Asset Growth (YoY)3.36%2.86%2.70%-3.45%-8.93%-1,230 bps
Loan Growth (YoY)-14.63%-7.67%-1.67%-8.35%3.47%+1,810 bps
Deposit Growth (YoY)5.44%0.05%0.17%-2.65%-8.96%-1,439 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.88%0.64%0.68%0.00%-93 bps
Net Charge-Offs / Loans0.00%0.00%0.14%0.03%2.85%+285 bps
Allowance / Loans3.28%2.97%2.74%3.00%2.42%-86 bps
Allowance Coverage of NPLs3.5x3.4x4.3x4.4xn/an/a
Capital
Tier 1 Leverage Ratio9.11%9.28%9.55%9.57%8.22%-89 bps
Total Risk-Based Capital24.20%23.31%22.48%22.79%19.27%-493 bps
Equity / Assets8.15%8.14%7.83%8.55%8.69%+54 bps
Liquidity & Funding
Loans / Deposits27.62%32.42%34.60%30.90%31.39%+377 bps
Liquid Assets / Assets0.55%2.21%2.22%2.25%0.00%-55 bps
CRE / Total Capitaln/an/an/an/an/an/an/a