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Columbian Bank and Trust Company, The

Topeka, KS · Cert 22728

FDIC

Q2 2008

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: Q2 2008, the quarter ended June 30, 2008, 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

Columbian Bank and Trust Company, The

Topeka, KS · Cert 22728

FDIC

Q2 2008

$735.1MAssets
$638.5MLoans
$620.4MDeposits
$43.5MEquity
Loan mix
78%RE $442.5M22%C&I $124.8M0%Consumer $0.0MQ2 2007Q2 2008
Deposit mix
80%Interest-bearing $497.4M20%Noninterest $123.0MQ2 2007Q2 2008

NIM

8.44%Q2 ’069.61%Q2 ’077.12%Q2 ’08+9%-41%

Non-interest income vs. expense

1.91%Q2 ’061.48%Q2 ’071.41%Q2 ’08-23%-5%

Executive Summary

  • Earnings: ROA of 0.00%, down 424 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 102.93% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

0.00%-424 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-256 bps YoY

Efficiency Ratio (YTD, annualized)

36.22%+1,328 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets4.24%4.06%2.53%2.85%0.00%-424 bps
Return on Equity52.83%51.15%33.33%42.38%0.01%-5,281 bps
Net Interest Margin6.25%6.07%5.45%4.49%3.69%-256 bps
Efficiency Ratio22.94%23.39%27.55%29.51%36.22%+1,328 bps
Non-Interest Burden1.27%1.26%1.37%1.18%1.21%-7 bps
Growth
Asset Growth (YoY)43.84%37.70%36.42%26.90%22.33%-2,151 bps
Loan Growth (YoY)43.38%39.23%33.43%22.22%17.32%-2,606 bps
Deposit Growth (YoY)57.34%42.68%53.89%32.47%35.88%-2,147 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.58%1.45%0.00%0.11%-1 bps
Allowance / Loans1.48%1.26%1.35%1.43%2.65%+117 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 Capital10.78%10.57%9.40%10.01%8.98%-180 bps
Equity / Assets7.66%7.70%6.48%6.97%5.92%-173 bps
Liquidity & Funding
Loans / Deposits119.20%125.23%112.92%107.79%102.93%-1,628 bps
Liquid Assets / Assets0.10%0.00%0.26%0.22%0.18%+9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a