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State Bank of Conway Springs

Conway Springs, KS · Cert 15492

FDIC

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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 2026-10-10

State Bank of Conway Springs

Conway Springs, KS · Cert 15492

FDIC

Q3 2013

$29.7MAssets
$14.5MLoans
$25.9MDeposits
$2.5MEquity
Loan mix
88%RE $9.3M3%C&I $0.3M10%Consumer $1.0MQ3 2012Q3 2013
Deposit mix
76%Interest-bearing $19.8M24%Noninterest $6.1MQ3 2012Q3 2013

NIM

3.91%Q3 ’113.48%Q3 ’123.39%Q3 ’13-3%+3%

Non-interest income vs. expense

2.31%Q3 ’112.14%Q3 ’122.13%Q3 ’13-10%+5%

Executive Summary

  • Earnings: ROA of 0.63%, down 5 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 55.97% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.63%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+7 bps YoY

Efficiency Ratio (YTD, annualized)

68.18%+38 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.68%0.65%0.63%0.60%0.63%-5 bps
Return on Equity8.01%7.61%7.34%7.11%7.48%-53 bps
Net Interest Margin2.77%2.76%2.79%2.77%2.84%+7 bps
Efficiency Ratio67.81%69.70%68.86%69.83%68.18%+38 bps
Non-Interest Burden1.75%1.80%1.83%1.85%1.85%+9 bps
Growth
Asset Growth (YoY)6.81%8.95%4.07%1.75%2.26%-456 bps
Loan Growth (YoY)-9.51%3.44%11.05%21.71%28.93%+3,844 bps
Deposit Growth (YoY)7.48%9.93%4.54%2.07%2.69%-479 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.03%-0.01%0.01%+1 bps
Allowance / Loans1.98%1.75%1.63%1.56%1.56%-42 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.97%17.36%16.54%16.14%16.53%-144 bps
Equity / Assets8.50%8.73%8.36%8.10%8.54%+4 bps
Liquidity & Funding
Loans / Deposits44.58%51.34%52.38%53.36%55.97%+1,139 bps
Liquid Assets / Assets36.71%32.87%32.98%30.78%25.38%-1,134 bps
CRE / Total Capitaln/an/an/an/an/an/an/a