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State Bank of Oskaloosa, The

Oskaloosa, KS · Cert 16205

FDIC · 1 branch

Q2 2015

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 2015, the quarter ended June 30, 2015, 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 Oskaloosa, The

Oskaloosa, KS · Cert 16205

FDIC · 1 branch

Q2 2015

$29.6MAssets
$7.2MLoans
$27.2MDeposits
$2.4MEquity
Loan mix
73%RE $4.8M7%C&I $0.5M20%Consumer $1.3MQ2 2014Q2 2015
Deposit mix
73%Interest-bearing $19.8M27%Noninterest $7.4MQ2 2014Q2 2015

NIM

2.33%Q2 ’132.16%Q2 ’142.10%Q2 ’15-6%-2%

Non-interest income vs. expense

2.75%Q2 ’132.68%Q2 ’142.67%Q2 ’15-5%-1%

Market Position · Topeka, KS · 2015 SOD (annual) · 0.6% share · #28 of 38 inst. · $0.0B of $4.9B

Executive Summary

  • Earnings: ROA of 0.04%, down 2 bps year over year; NIM at 1.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 8.01%.
  • Funding: loans stand at 26.54% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.04%-2 bps YoY

Net Interest Margin (YTD, annualized)

1.94%-3 bps YoY

Efficiency Ratio (YTD, annualized)

98.50%+53 bps YoY

Tier 1 Leverage Ratio

8.01%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.06%0.04%0.05%0.08%0.04%-2 bps
Return on Equity0.68%0.51%0.55%1.01%0.51%-17 bps
Net Interest Margin1.97%2.02%1.99%1.96%1.94%-3 bps
Efficiency Ratio97.97%98.33%98.26%97.03%98.50%+53 bps
Non-Interest Burden1.91%1.97%1.95%1.88%1.89%-2 bps
Growth
Asset Growth (YoY)0.33%5.24%6.41%-0.38%4.49%+417 bps
Loan Growth (YoY)-3.41%-3.26%-2.71%-1.13%-1.73%+168 bps
Deposit Growth (YoY)-0.69%5.88%6.93%-0.50%6.02%+670 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.13%0.08%-0.06%-0.03%-27 bps
Allowance / Loans1.04%1.06%1.08%1.10%1.11%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a8.00%8.01%n/a
Total Risk-Based Capital43.42%43.03%41.44%43.29%44.19%+77 bps
Equity / Assets8.32%8.42%8.15%8.14%8.00%-32 bps
Liquidity & Funding
Loans / Deposits28.63%28.72%27.64%27.14%26.54%-209 bps
Liquid Assets / Assets70.63%69.66%67.32%69.47%69.97%-67 bps
CRE / Total Capitaln/an/an/an/an/an/an/a