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Kingsley State Bank

Kingsley, IA · Cert 19447

FDIC · 3 branches

Q1 2019

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 2019, the quarter ended March 31, 2019, 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

Kingsley State Bank

Kingsley, IA · Cert 19447

FDIC · 3 branches

Q1 2019

$192.1MAssets
$121.2MLoans
$168.3MDeposits
$23.3MEquity
Loan mix
78%RE $62.2M19%C&I $15.0M4%Consumer $2.9MQ1 2018Q1 2019
Deposit mix
89%Interest-bearing $150.1M11%Noninterest $18.1MQ1 2018Q1 2019

NIM

3.54%Q1 ’173.74%Q1 ’183.82%Q1 ’19+2%-10%

Non-interest income vs. expense

1.99%Q1 ’172.16%Q1 ’182.37%Q1 ’19+10%+12%

Market Position · Sioux City, IA-NE-SD · 2018 SOD (annual) · 3.9% share · #10 of 35 inst. · $0.2B of $4.3B

14.0% Plymouth
1.6% Woodbury

Executive Summary

  • Earnings: ROA of 0.98%, down 13 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 1.15% of loans (+115 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.18%, down 57 bps from a year ago.
  • Funding: loans stand at 72.04% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.98%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-30 bps YoY

Efficiency Ratio (YTD, annualized)

78.72%+1,379 bps YoY

Tier 1 Leverage Ratio

12.18%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.10%1.15%1.19%1.04%0.98%-13 bps
Return on Equity8.86%9.15%9.61%8.43%8.14%-71 bps
Net Interest Margin3.10%3.04%3.16%3.12%2.80%-30 bps
Efficiency Ratio64.93%63.80%62.97%65.33%78.72%+1,379 bps
Non-Interest Burden1.93%1.84%1.89%1.96%2.16%+23 bps
Growth
Asset Growth (YoY)2.72%2.66%1.06%-0.48%-2.97%-569 bps
Loan Growth (YoY)5.32%5.99%2.90%-2.17%-10.28%-1,560 bps
Deposit Growth (YoY)4.90%2.45%2.47%0.28%-2.92%-782 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%1.09%1.15%+115 bps
Net Charge-Offs / Loans-0.04%-0.02%-0.02%-0.01%0.00%+4 bps
Allowance / Loans2.03%2.02%2.08%2.08%2.27%+24 bps
Allowance Coverage of NPLsn/an/a10.9x1.9x2.0xn/a
Capital
Tier 1 Leverage Ratio12.75%12.95%12.04%12.10%12.18%-57 bps
Total Risk-Based Capital16.35%17.59%16.62%16.64%18.97%+262 bps
Equity / Assets12.29%12.95%11.81%11.85%12.14%-15 bps
Liquidity & Funding
Loans / Deposits77.96%81.63%79.94%78.85%72.04%-591 bps
Liquid Assets / Assets1.34%1.89%1.94%2.31%2.04%+70 bps
CRE / Total Capitaln/an/an/an/an/an/an/a