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First State Bank of Thayer

Thayer, KS · Cert 25340

FDIC

Q4 2009

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 2009, the quarter ended December 31, 2009, 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 2026-10-10

First State Bank of Thayer

Thayer, KS · Cert 25340

FDIC

Q4 2009

$9.1MAssets
$3.8MLoans
$8.2MDeposits
$879KEquity
Deposit mix
76%Interest-bearing $6.2M24%Noninterest $2.0MQ4 2008Q4 2009

NIM

5.91%Q4 ’074.96%Q4 ’083.77%Q4 ’09-13%-19%

Non-interest income vs. expense

3.38%Q4 ’073.21%Q4 ’083.33%Q4 ’090%-7%

Executive Summary

  • Earnings: ROA of 0.61%, down 49 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 45.68% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

0.61%-49 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-67 bps YoY

Efficiency Ratio (YTD, annualized)

84.28%+1,031 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets1.09%0.62%0.50%0.39%0.61%-49 bps
Return on Equity11.53%6.61%5.42%4.24%6.55%-498 bps
Net Interest Margin3.60%3.00%2.94%2.95%2.93%-67 bps
Efficiency Ratio73.97%83.72%86.36%89.47%84.28%+1,031 bps
Non-Interest Burden2.47%2.38%2.43%2.56%2.30%-17 bps
Growth
Asset Growth (YoY)1.35%2.48%9.31%3.85%3.11%+176 bps
Loan Growth (YoY)0.89%-8.03%-17.75%-9.90%-10.55%-1,144 bps
Deposit Growth (YoY)1.33%2.68%10.23%4.43%3.07%+174 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 / Loans1.05%1.08%1.11%1.08%1.17%+12 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 Capital20.20%22.05%21.44%21.28%23.86%+365 bps
Equity / Assets9.56%9.28%8.69%9.22%9.65%+8 bps
Liquidity & Funding
Loans / Deposits52.64%48.87%44.41%48.60%45.68%-695 bps
Liquid Assets / Assets27.50%48.91%54.69%50.91%53.86%+2,636 bps
CRE / Total Capitaln/an/an/an/an/an/an/a