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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 $2.1MQ1 2015Q4 2016
Deposit mix
78%Interest-bearing $37.8M22%Noninterest $10.7MQ1 2015Q4 2016

Executive Summary

  • Earnings: ROA of 0.13%, down 64 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.38%.
  • 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.

Return on Assets (quarter, annualized)

0.13%-64 bps YoY

Net Interest Margin (quarter, annualized)

2.19%-40 bps YoY

Efficiency Ratio (quarter, annualized)

100.30%+2,304 bps YoY

Tier 1 Leverage Ratio

20.31%+146 bps YoY

NIM

2.71%Q4 ’142.75%Q4 ’152.37%Q4 ’16+2%-15%

Non-interest income vs. expense

2.10%Q4 ’142.14%Q4 ’152.38%Q4 ’16+2%+12%

Discrete quarter, annualized.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.78%1.01%0.42%0.77%1.31%1.33%0.66%0.13%-64 bps
Return on Equity4.66%5.81%2.36%4.32%7.12%6.66%3.18%0.66%-366 bps
Net Interest Margin2.36%2.50%2.55%2.59%2.43%2.43%2.32%2.19%-40 bps
Efficiency Ratio63.86%63.37%65.36%77.26%70.90%70.94%79.39%100.30%+2,304 bps
Non-Interest Burden1.44%1.53%1.61%1.96%1.65%1.67%1.80%2.20%+24 bps
Growth
Asset Growth (YoY)8.15%4.43%5.30%-0.56%-6.04%-3.62%-3.70%-5.62%-507 bps
Loan Growth (YoY)-1.20%-0.04%2.38%13.95%6.87%3.70%4.65%-8.88%-2,282 bps
Deposit Growth (YoY)6.09%2.70%2.70%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.22%0.00%-0.10%0.00%0.00%0.32%0.14%0.38%+38 bps
Allowance / Loans1.36%1.33%1.37%1.23%1.30%1.22%1.20%1.14%-9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.96%17.86%18.29%18.85%18.60%19.43%20.05%20.31%+146 bps
Total Risk-Based Capital53.44%54.54%57.80%53.58%58.77%60.08%61.54%57.84%+426 bps
Equity / Assets17.32%17.40%18.46%17.36%19.57%20.34%20.84%18.65%+130 bps
Liquidity & Funding
Loans / Deposits16.29%17.27%17.69%17.95%19.11%19.29%19.74%17.52%-43 bps
Liquid Assets / Assets9.68%9.95%9.70%7.45%8.09%8.11%6.40%5.75%-170 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a