PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Home State Bank

Erie, KS · Cert 1875

FDIC

Q2 2010

$26.7MAssets
$10.4MLoans
$24.3MDeposits
$1.9MEquity
Deposit mix
90%Interest-bearing $21.8M10%Noninterest $2.5MQ2 2009Q2 2010

NIM

5.12%Q2 ’084.20%Q2 ’093.12%Q2 ’10-11%-29%

Non-interest income vs. expense

3.12%Q2 ’082.90%Q2 ’092.47%Q2 ’100%-20%

Executive Summary

  • Earnings: ROA of 0.57%, down 52 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 43.00% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

0.57%-52 bps YoY

Net Interest Margin (YTD, annualized)

2.44%-100 bps YoY

Efficiency Ratio (YTD, annualized)

81.14%+891 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets1.09%1.09%1.02%0.82%0.57%-52 bps
Return on Equity13.43%13.02%12.08%10.28%7.51%-592 bps
Net Interest Margin3.44%3.54%3.27%2.75%2.44%-100 bps
Efficiency Ratio72.23%72.59%74.09%75.60%81.14%+891 bps
Non-Interest Burden2.32%2.41%2.27%1.89%1.87%-45 bps
Growth
Asset Growth (YoY)10.16%6.98%2.40%16.41%21.79%+1,163 bps
Loan Growth (YoY)3.36%6.64%-0.13%-5.08%-1.55%-490 bps
Deposit Growth (YoY)11.16%7.80%2.01%14.26%20.40%+924 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%0.00%0.00%0 bps
Allowance / Loans1.01%0.98%1.03%1.05%1.03%+2 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 Capital18.24%18.06%19.90%20.07%19.18%+95 bps
Equity / Assets8.11%9.16%8.84%7.24%6.96%-116 bps
Liquidity & Funding
Loans / Deposits52.59%60.57%54.14%43.27%43.00%-959 bps
Liquid Assets / Assets48.49%41.54%47.46%57.98%58.13%+964 bps
CRE / Total Capitaln/an/an/an/an/an/an/a