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State Bank

Hoxie, KS · Cert 26832

FDIC · 3 branches

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

State Bank

Hoxie, KS · Cert 26832

FDIC · 3 branches

Q4 2016

$151.4MAssets
$133.0MLoans
$130.3MDeposits
$20.7MEquity
Loan mix
73%RE $40.8M22%C&I $12.4M4%Consumer $2.3MQ4 2015Q4 2016
Deposit mix
74%Interest-bearing $95.9M26%Noninterest $34.4MQ4 2015Q4 2016

NIM

3.96%Q4 ’144.55%Q4 ’154.66%Q4 ’16+17%+2%

Non-interest income vs. expense

1.94%Q4 ’142.13%Q4 ’151.98%Q4 ’16+11%-8%

Executive Summary

  • Earnings: ROA of 2.53%, up 39 bps year over year; NIM at 4.32%.
  • 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 13.39%, up 119 bps from a year ago.
  • Funding: loans stand at 102.06% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

2.53%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+9 bps YoY

Efficiency Ratio (YTD, annualized)

42.92%-401 bps YoY

Tier 1 Leverage Ratio

13.39%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets2.14%2.71%2.67%2.70%2.53%+39 bps
Return on Equity18.15%21.96%21.38%21.14%19.51%+137 bps
Net Interest Margin4.23%4.42%4.49%4.50%4.32%+9 bps
Efficiency Ratio46.93%37.83%38.16%38.16%42.92%-401 bps
Non-Interest Burden1.82%1.53%1.57%1.56%1.69%-14 bps
Growth
Asset Growth (YoY)1.01%-2.26%-0.62%1.13%2.37%+136 bps
Loan Growth (YoY)3.63%13.17%2.00%2.65%-1.35%-498 bps
Deposit Growth (YoY)-0.98%-6.57%-1.73%-0.13%1.48%+245 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 / Loans1.43%1.43%1.50%1.54%1.56%+13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.20%12.29%12.79%13.50%13.39%+119 bps
Total Risk-Based Capital13.57%13.74%14.43%15.02%15.51%+194 bps
Equity / Assets12.22%12.49%12.81%13.53%13.65%+143 bps
Liquidity & Funding
Loans / Deposits104.98%109.44%104.82%105.73%102.06%-292 bps
Liquid Assets / Assets5.30%4.85%6.03%5.92%7.14%+184 bps
CRE / Total Capitaln/an/an/an/an/an/an/a