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Commercial State Bank of Bonner Springs

Bonner Springs, KS · Cert 13732

FDIC

Q1 2006

$108.3MAssets
$54.1MLoans
$101.2MDeposits
$6.9MEquity
Loan mix
56%RE $12.6M44%C&I $9.9M1%Consumer $0.1MQ1 2005Q1 2006
Deposit mix
85%Interest-bearing $86.0M15%Noninterest $15.2MQ1 2005Q1 2006

NIM

4.64%Q1 ’045.30%Q1 ’056.20%Q1 ’06+15%+4%

Non-interest income vs. expense

2.58%Q1 ’042.85%Q1 ’052.71%Q1 ’06+7%-3%

Executive Summary

  • Earnings: ROA of 1.86%, down 52 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 53.45% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

1.86%-52 bps YoY

Net Interest Margin (quarter, annualized)

4.01%+14 bps YoY

Efficiency Ratio (quarter, annualized)

54.90%-343 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets2.39%2.06%2.00%1.57%1.86%-52 bps
Return on Equity26.64%23.72%23.57%19.08%25.75%-90 bps
Net Interest Margin3.87%3.95%3.86%3.89%4.01%+14 bps
Efficiency Ratio58.33%57.03%57.34%66.48%54.90%-343 bps
Non-Interest Burden1.84%1.80%1.78%2.24%1.78%-6 bps
Growth
Asset Growth (YoY)-3.21%-1.88%0.59%6.06%24.99%+2,821 bps
Loan Growth (YoY)21.01%21.47%17.79%6.57%0.43%-2,058 bps
Deposit Growth (YoY)2.28%3.64%3.30%8.37%29.36%+2,708 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.10%0.10%0.04%0.04%0.05%+15 bps
Allowance / Loans1.26%1.23%1.19%1.21%1.24%-2 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 Capital13.65%14.47%13.44%14.06%12.32%-133 bps
Equity / Assets8.52%8.83%8.13%8.33%6.34%-218 bps
Liquidity & Funding
Loans / Deposits68.85%68.61%71.04%72.34%53.45%-1,540 bps
Liquid Assets / Assets0.02%0.14%0.13%0.21%20.15%+2,013 bps
CRE / Total Capitaln/an/an/an/an/an/an/a