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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 1.72%, down 8 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • 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 (YTD, annualized)

1.72%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-14 bps YoY

Efficiency Ratio (YTD, annualized)

54.33%+65 bps YoY

Tier 1 Leverage Ratio

10.24%0 bps YoY

NIM

3.94%Q4 ’174.20%Q4 ’184.33%Q4 ’19+3%-4%

Non-interest income vs. expense

2.27%Q4 ’172.24%Q4 ’182.14%Q4 ’19-1%-1%

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.79%1.71%1.75%1.80%1.65%1.61%1.66%1.72%-8 bps
Return on Equity17.95%17.06%17.36%17.83%16.37%15.77%16.24%16.89%-94 bps
Net Interest Margin3.57%3.59%3.70%3.70%3.60%3.66%3.61%3.56%-14 bps
Efficiency Ratio52.59%54.23%54.39%53.69%55.53%56.97%55.68%54.33%+65 bps
Non-Interest Burden1.62%1.74%1.80%1.77%1.83%1.92%1.84%1.76%-1 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%0.06%0.00%0.00%0.00%0.01%-6 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