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Reading State Bank

Reading, KS · Cert 17366

FDIC · 2 branches

Q1 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: Q1 2015, the quarter ended March 31, 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 2026-10-11

Reading State Bank

Reading, KS · Cert 17366

FDIC · 2 branches

Q1 2015

$2.9MAssets
$2.4MLoans
$2.4MDeposits
$514KEquity
Deposit mix
76%Interest-bearing $1.8M24%Noninterest $0.6MQ1 2014Q1 2015

NIM

3.62%Q1 ’133.01%Q1 ’144.00%Q1 ’15-10%+40%

Non-interest income vs. expense

5.18%Q1 ’136.08%Q1 ’1410.62%Q1 ’15+20%+21%

Market Position · Topeka, KS · 2014 SOD (annual) · 0.1% share · #38 of 39 inst. · $0.0B of $4.9B

0.7% Henry
1.2% Osage

Executive Summary

  • Earnings: ROA of -3.79%, down 20 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.68%.
  • Funding: loans stand at 100.33% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-3.79%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+109 bps YoY

Efficiency Ratio (YTD, annualized)

155.00%-8,630 bps YoY

Tier 1 Leverage Ratio

14.68%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-3.59%-3.76%-4.08%-4.24%-3.79%-20 bps
Return on Equity-33.66%-36.59%-38.24%-38.35%-24.88%+877 bps
Net Interest Margin2.68%2.64%3.09%3.75%3.77%+109 bps
Efficiency Ratio241%257%258%258%155.00%-8,630 bps
Non-Interest Burden6.24%6.43%7.72%9.48%7.54%+129 bps
Growth
Asset Growth (YoY)-21.15%-15.15%-38.11%-44.29%-59.55%-3,841 bps
Loan Growth (YoY)-36.81%-36.60%-38.14%-34.84%-33.69%+312 bps
Deposit Growth (YoY)-21.09%-13.82%-39.09%-45.81%-62.87%-4,179 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-1.36%0.00%0 bps
Allowance / Loans9.29%10.06%12.70%15.25%15.38%+609 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a14.68%n/an/a
Total Risk-Based Capital21.76%23.98%27.47%29.19%32.12%+1,036 bps
Equity / Assets10.28%9.51%12.41%13.49%17.66%+738 bps
Liquidity & Funding
Loans / Deposits56.18%52.61%62.34%69.14%100.33%+4,415 bps
Liquid Assets / Assets46.23%47.29%40.76%37.50%25.49%-2,074 bps
CRE / Total Capitaln/an/an/an/an/an/an/a