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Roxbury Bank

Roxbury, KS · Cert 18074

FDIC · 1 branch

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Roxbury Bank

Roxbury, KS · Cert 18074

FDIC · 1 branch

Q4 2017

$17.6MAssets
$12.3MLoans
$13.3MDeposits
$2.1MEquity
Loan mix
77%RE $6.7M20%C&I $1.7M3%Consumer $0.3MQ4 2016Q4 2017
Deposit mix
76%Interest-bearing $10.0M24%Noninterest $3.2MQ4 2016Q4 2017

NIM

4.17%Q4 ’154.29%Q4 ’164.25%Q4 ’17+3%-4%

Non-interest income vs. expense

3.18%Q4 ’153.48%Q4 ’162.59%Q4 ’17+15%-24%

Executive Summary

  • Earnings: ROA of 1.46%, up 49 bps year over year; NIM at 3.94%.
  • 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 11.75%, up 116 bps from a year ago.
  • Funding: loans stand at 92.72% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

1.46%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.94%-14 bps YoY

Efficiency Ratio (YTD, annualized)

60.42%-1,713 bps YoY

Tier 1 Leverage Ratio

11.75%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.97%1.56%1.47%1.42%1.46%+49 bps
Return on Equity9.05%13.31%12.11%11.51%11.87%+282 bps
Net Interest Margin4.08%4.09%4.00%4.00%3.94%-14 bps
Efficiency Ratio77.54%61.58%60.63%60.80%60.42%-1,713 bps
Non-Interest Burden3.08%2.47%2.41%2.41%2.35%-73 bps
Growth
Asset Growth (YoY)1.40%5.74%5.17%10.13%12.29%+1,089 bps
Loan Growth (YoY)8.44%14.79%13.12%20.36%22.14%+1,370 bps
Deposit Growth (YoY)2.05%3.23%1.63%10.88%5.47%+342 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.27%0.26%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.00%0.00%0.00%0.00%+2 bps
Allowance / Loans2.73%0.00%0.06%0.13%0.16%-256 bps
Allowance Coverage of NPLsn/a0.0x0.2xn/an/an/a
Capital
Tier 1 Leverage Ratio10.60%12.41%12.47%12.67%11.75%+116 bps
Total Risk-Based Capital19.45%19.97%20.22%19.06%17.42%-203 bps
Equity / Assets10.63%12.69%13.14%12.84%12.03%+140 bps
Liquidity & Funding
Loans / Deposits80.07%79.04%79.38%82.85%92.72%+1,265 bps
Liquid Assets / Assets30.08%27.09%26.02%23.34%22.81%-727 bps
CRE / Total Capitaln/an/an/an/an/an/an/a