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First State Bank of Burlingame, The

Burlingame, KS · Cert 15794

FDIC

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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

First State Bank of Burlingame, The

Burlingame, KS · Cert 15794

FDIC

Q2 2012

$24.1MAssets
$13.5MLoans
$23.6MDeposits
$130KEquity
Loan mix
88%RE $11.3M6%C&I $0.7M6%Consumer $0.8MQ2 2011Q2 2012
Deposit mix
87%Interest-bearing $20.5M13%Noninterest $3.1MQ2 2011Q2 2012

NIM

5.54%Q2 ’105.39%Q2 ’114.24%Q2 ’12+10%-18%

Non-interest income vs. expense

3.93%Q2 ’104.20%Q2 ’114.85%Q2 ’12+6%+17%

Executive Summary

  • Earnings: ROA of -4.32%, down 348 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 7.84%.
  • Funding: loans stand at 57.16% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-4.32%-348 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-69 bps YoY

Efficiency Ratio (YTD, annualized)

134.75%+3,632 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.84%-1.67%-1.20%-1.71%-4.32%-348 bps
Return on Equity-26.38%-54.28%-39.93%-69.28%-235%-20,892 bps
Net Interest Margin3.79%3.92%3.92%3.24%3.11%-69 bps
Efficiency Ratio98.43%99.17%99.56%105.58%134.75%+3,632 bps
Non-Interest Burden3.73%3.88%3.90%3.45%4.36%+63 bps
Growth
Asset Growth (YoY)-18.06%-14.01%-15.75%-7.64%-8.72%+934 bps
Loan Growth (YoY)-16.55%-14.30%-17.23%-20.41%-28.44%-1,188 bps
Deposit Growth (YoY)-18.09%-11.48%-13.46%-4.46%-3.68%+1,441 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.64%3.15%2.52%3.55%7.84%+521 bps
Allowance / Loans2.21%2.36%2.54%2.58%2.16%-5 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 Capital6.19%5.01%5.73%5.62%2.03%-416 bps
Equity / Assets3.31%2.70%2.70%2.24%0.54%-277 bps
Liquidity & Funding
Loans / Deposits76.94%77.85%75.28%64.27%57.16%-1,978 bps
Liquid Assets / Assets6.83%4.83%18.13%28.86%4.08%-276 bps
CRE / Total Capitaln/an/an/an/an/an/an/a