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Farmers and Merchants Bank of Hill City

Hill City, KS · Cert 27178

FDIC

Q2 2013

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 2013, the quarter ended June 30, 2013, 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

Farmers and Merchants Bank of Hill City

Hill City, KS · Cert 27178

FDIC

Q2 2013

$43.0MAssets
$26.9MLoans
$37.1MDeposits
$4.7MEquity
Loan mix
71%RE $12.0M22%C&I $3.7M7%Consumer $1.2MQ2 2012Q2 2013
Deposit mix
85%Interest-bearing $31.4M15%Noninterest $5.7MQ2 2012Q2 2013

NIM

4.13%Q2 ’113.85%Q2 ’123.57%Q2 ’13-5%-6%

Non-interest income vs. expense

3.32%Q2 ’112.85%Q2 ’122.68%Q2 ’13-17%+0%

Executive Summary

  • Earnings: ROA of 0.48%, down 25 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 72.53% of deposits as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

0.48%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-20 bps YoY

Efficiency Ratio (YTD, annualized)

75.71%+313 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets0.74%0.81%0.82%0.56%0.48%-25 bps
Return on Equity6.63%7.24%7.34%5.04%4.33%-230 bps
Net Interest Margin3.33%3.31%3.29%3.06%3.13%-20 bps
Efficiency Ratio72.58%70.32%70.50%75.07%75.71%+313 bps
Non-Interest Burden2.35%2.26%2.26%2.29%2.36%+1 bps
Growth
Asset Growth (YoY)7.03%8.34%5.19%2.28%2.34%-469 bps
Loan Growth (YoY)-0.24%4.15%3.86%4.33%6.34%+658 bps
Deposit Growth (YoY)7.69%9.01%5.40%1.81%-0.01%-770 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.04%0.03%-0.02%-0.01%-12 bps
Allowance / Loans1.95%1.98%1.99%2.25%2.16%+21 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 Capital17.35%17.85%17.49%18.95%17.92%+56 bps
Equity / Assets11.25%11.41%11.01%11.29%10.99%-26 bps
Liquidity & Funding
Loans / Deposits68.20%69.73%69.36%65.24%72.53%+433 bps
Liquid Assets / Assets10.27%14.16%9.88%10.28%9.85%-42 bps
CRE / Total Capitaln/an/an/an/an/an/an/a