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Chetopa State Bank & Trust Co.

Chetopa, KS · Cert 13956

FDIC · 1 branch

Q4 2019

$39.4MAssets
$28.7MLoans
$35.4MDeposits
$3.9MEquity
Loan mix
72%RE $15.2M20%C&I $4.3M7%Consumer $1.5MQ1 2018Q4 2019
Deposit mix
82%Interest-bearing $29.0M18%Noninterest $6.5MQ1 2018Q4 2019

Executive Summary

  • Earnings: ROA of 1.90%, down 5 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.24%, unchanged from a year ago.
  • Funding: loans stand at 81.06% of deposits as of Q4 2019.

Return on Assets (quarter, annualized)

1.90%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.63%-19 bps YoY

Efficiency Ratio (quarter, annualized)

50.39%-128 bps YoY

Tier 1 Leverage Ratio

10.24%0 bps YoY

NIM

4.13%Q4 ’174.42%Q4 ’184.43%Q4 ’19+2%-5%

Non-interest income vs. expense

2.18%Q4 ’172.23%Q4 ’182.03%Q4 ’19+5%-6%

Discrete quarter, annualized.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.79%1.60%1.85%1.95%1.65%1.56%1.79%1.90%-5 bps
Return on Equity17.95%16.07%18.03%19.19%16.37%15.15%17.22%18.64%-55 bps
Net Interest Margin3.57%3.65%3.83%3.81%3.60%3.68%3.63%3.63%-19 bps
Efficiency Ratio52.59%55.89%54.69%51.67%55.53%58.40%53.16%50.39%-128 bps
Non-Interest Burden1.62%1.87%1.88%1.73%1.83%1.99%1.73%1.63%-10 bps
Growth
Asset Growth (YoY)8.83%3.48%3.72%8.22%1.53%5.13%7.21%6.60%-162 bps
Loan Growth (YoY)10.20%4.47%4.68%12.40%-1.19%2.09%3.94%2.23%-1,017 bps
Deposit Growth (YoY)8.88%3.22%3.61%5.15%1.03%4.72%7.07%9.86%+471 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.26%0.00%0.00%0.00%0.03%-23 bps
Allowance / Loans0.97%1.03%1.03%0.91%1.01%1.03%1.02%0.97%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.99%9.81%10.20%10.24%10.13%10.33%10.49%10.24%0 bps
Total Risk-Based Capital15.10%15.64%15.64%14.67%16.36%16.67%16.98%15.53%+86 bps
Equity / Assets9.76%10.12%10.38%9.99%10.18%10.38%10.45%9.94%-5 bps
Liquidity & Funding
Loans / Deposits79.55%81.15%82.61%87.12%77.80%79.11%80.20%81.06%-605 bps
Liquid Assets / Assets25.06%23.64%23.09%20.40%26.55%25.48%24.84%24.25%+385 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a