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Greensburg State Bank

Greensburg, KS · Cert 14315

FDIC · 1 branch

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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

Greensburg State Bank

Greensburg, KS · Cert 14315

FDIC · 1 branch

Q4 2016

$59.7MAssets
$8.5MLoans
$48.5MDeposits
$11.1MEquity
Loan mix
52%RE $3.1M12%C&I $0.7M36%Consumer $2.1MQ4 2015Q4 2016
Deposit mix
78%Interest-bearing $37.8M22%Noninterest $10.7MQ4 2015Q4 2016

NIM

2.74%Q4 ’142.75%Q4 ’152.59%Q4 ’16+1%-7%

Non-interest income vs. expense

1.83%Q4 ’141.86%Q4 ’152.08%Q4 ’16+2%+11%

Executive Summary

  • Earnings: ROA of 0.85%, up 11 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 20.31%, up 146 bps from a year ago.
  • Funding: loans stand at 17.52% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.85%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-17 bps YoY

Efficiency Ratio (YTD, annualized)

79.66%+1,217 bps YoY

Tier 1 Leverage Ratio

20.31%+146 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.74%1.31%1.31%1.10%0.85%+11 bps
Return on Equity4.28%7.12%6.88%5.63%4.42%+13 bps
Net Interest Margin2.58%2.43%2.46%2.45%2.41%-17 bps
Efficiency Ratio67.49%70.90%70.92%73.58%79.66%+1,217 bps
Non-Interest Burden1.69%1.65%1.68%1.75%1.88%+19 bps
Growth
Asset Growth (YoY)-0.56%-6.04%-3.62%-3.70%-5.62%-507 bps
Loan Growth (YoY)13.95%6.87%3.70%4.65%-8.88%-2,282 bps
Deposit Growth (YoY)-2.32%-8.87%-7.19%-6.20%-6.66%-434 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.47%0.00%0.16%0.15%0.21%-26 bps
Allowance / Loans1.23%1.30%1.22%1.20%1.14%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.85%18.60%19.43%20.05%20.31%+146 bps
Total Risk-Based Capital53.58%58.77%60.08%61.54%57.84%+426 bps
Equity / Assets17.36%19.57%20.34%20.84%18.65%+130 bps
Liquidity & Funding
Loans / Deposits17.95%19.11%19.29%19.74%17.52%-43 bps
Liquid Assets / Assets7.45%8.09%8.11%6.40%5.75%-170 bps
CRE / Total Capitaln/an/an/an/an/an/an/a