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Baileyville State Bank

Seneca, KS · Cert 15257

FDIC · 1 branch

Q1 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: Q1 2016, the quarter ended March 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

Baileyville State Bank

Seneca, KS · Cert 15257

FDIC · 1 branch

Q1 2016

$44.9MAssets
$23.4MLoans
$39.6MDeposits
$4.0MEquity
Loan mix
75%RE $12.5M20%C&I $3.4M6%Consumer $0.9MQ1 2015Q1 2016
Deposit mix
76%Interest-bearing $30.3M24%Noninterest $9.3MQ1 2015Q1 2016

NIM

3.75%Q1 ’143.60%Q1 ’153.66%Q1 ’160%+5%

Non-interest income vs. expense

2.62%Q1 ’142.55%Q1 ’152.40%Q1 ’16-2%-5%

Executive Summary

  • Earnings: ROA of 0.63%, up 19 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 8.56%, down 38 bps from a year ago.
  • Funding: loans stand at 58.99% of deposits as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

0.63%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+14 bps YoY

Efficiency Ratio (YTD, annualized)

76.74%-745 bps YoY

Tier 1 Leverage Ratio

8.56%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.44%0.57%0.60%0.46%0.63%+19 bps
Return on Equity4.84%6.36%6.65%5.06%7.03%+219 bps
Net Interest Margin2.88%3.05%3.03%3.12%3.02%+14 bps
Efficiency Ratio84.19%78.98%74.58%74.48%76.74%-745 bps
Non-Interest Burden2.40%2.38%2.21%2.28%2.29%-11 bps
Growth
Asset Growth (YoY)-0.83%3.37%1.45%3.50%11.48%+1,230 bps
Loan Growth (YoY)8.30%10.94%1.32%3.96%-1.21%-950 bps
Deposit Growth (YoY)-1.80%1.13%1.32%9.29%12.97%+1,477 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.06%0.03%0.02%-0.03%-19 bps
Allowance / Loans1.02%0.98%1.06%1.12%1.19%+17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.94%9.23%9.05%9.14%8.56%-38 bps
Total Risk-Based Capital16.65%17.17%15.56%16.02%16.07%-58 bps
Equity / Assets9.32%8.77%9.37%9.03%8.88%-44 bps
Liquidity & Funding
Loans / Deposits67.46%71.50%67.50%65.79%58.99%-846 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a