PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.93%Q3 ’113.23%Q3 ’123.44%Q3 ’13-11%+12%

Non-interest income vs. expense

2.26%Q3 ’112.01%Q3 ’122.08%Q3 ’13-11%+6%

Executive Summary

  • Earnings: ROA of 0.69%, down 7 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
  • Funding: loans stand at 55.97% of deposits as of Q3 2013.

Financial Results

Return on Assets (quarter, annualized)

0.69%-7 bps YoY

Net Interest Margin (quarter, annualized)

2.90%+32 bps YoY

Efficiency Ratio (quarter, annualized)

65.00%-398 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.75%0.55%0.63%0.56%0.69%-7 bps
Return on Equity9.15%6.43%7.34%6.86%8.25%-90 bps
Net Interest Margin2.58%2.65%2.79%2.83%2.90%+32 bps
Efficiency Ratio68.98%75.68%68.86%70.76%65.00%-398 bps
Non-Interest Burden1.68%1.91%1.83%1.92%1.78%+11 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%0.00%0.06%+6 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