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Industrial State Bank

Kansas City, KS · Cert 18072

FDIC · 3 branches

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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

Industrial State Bank

Kansas City, KS · Cert 18072

FDIC · 3 branches

Q4 2016

$139.3MAssets
$79.8MLoans
$101.0MDeposits
$38.1MEquity
Loan mix
68%RE $34.5M28%C&I $14.2M4%Consumer $2.1MQ4 2015Q4 2016
Deposit mix
67%Interest-bearing $67.5M33%Noninterest $33.5MQ4 2015Q4 2016

NIM

4.34%Q4 ’144.30%Q4 ’154.04%Q4 ’16+2%-5%

Non-interest income vs. expense

2.81%Q4 ’142.84%Q4 ’152.88%Q4 ’16+2%-1%

Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.2% share · #63 of 135 inst. · $0.1B of $52.7B

Executive Summary

  • Earnings: ROA of 1.18%, down 6 bps year over year; NIM at 3.83%.
  • 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 27.17%, up 165 bps from a year ago.
  • Funding: loans stand at 78.99% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

1.18%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-20 bps YoY

Efficiency Ratio (YTD, annualized)

63.69%+279 bps YoY

Tier 1 Leverage Ratio

27.17%+165 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets1.24%1.04%1.04%1.04%1.18%-6 bps
Return on Equity4.90%4.03%3.97%3.93%4.44%-46 bps
Net Interest Margin4.03%3.96%3.88%3.88%3.83%-20 bps
Efficiency Ratio60.90%65.18%67.05%67.09%63.69%+279 bps
Non-Interest Burden2.20%2.41%2.46%2.45%2.18%-2 bps
Growth
Asset Growth (YoY)1.17%-0.91%-5.47%-2.43%-2.93%-410 bps
Loan Growth (YoY)11.86%7.55%-5.08%-5.48%-9.88%-2,174 bps
Deposit Growth (YoY)5.63%2.69%-0.86%0.92%-5.02%-1,065 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.01%0.01%0.00%0 bps
Allowance / Loans1.26%1.28%1.33%1.32%1.45%+19 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio25.52%26.12%26.21%26.71%27.17%+165 bps
Total Risk-Based Capital31.47%31.40%32.71%32.41%36.28%+481 bps
Equity / Assets25.65%26.05%26.92%26.98%27.35%+170 bps
Liquidity & Funding
Loans / Deposits83.25%85.48%85.46%85.72%78.99%-426 bps
Liquid Assets / Assets29.52%26.04%27.45%24.81%36.02%+649 bps
CRE / Total Capitaln/an/an/an/an/an/an/a