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Garden City State Bank

Garden City, KS · Cert 35414

FDIC

Q3 2012

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: Q3 2012, the quarter ended September 30, 2012, 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

Garden City State Bank

Garden City, KS · Cert 35414

FDIC

Q3 2012

$70.8MAssets
$57.1MLoans
$60.8MDeposits
$9.3MEquity
Loan mix
68%RE $32.5M31%C&I $14.7M2%Consumer $0.8MQ3 2011Q3 2012
Deposit mix
82%Interest-bearing $50.1M18%Noninterest $10.7MQ3 2011Q3 2012

NIM

5.89%Q3 ’105.88%Q3 ’115.46%Q3 ’12+7%-7%

Non-interest income vs. expense

3.15%Q3 ’103.18%Q3 ’112.93%Q3 ’12-5%+1%

Executive Summary

  • Earnings: ROA of 2.64%, up 28 bps year over year; NIM at 4.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.26%.
  • Funding: loans stand at 93.96% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

2.64%+28 bps YoY

Net Interest Margin (YTD, annualized)

4.74%-33 bps YoY

Efficiency Ratio (YTD, annualized)

51.49%+97 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets2.37%2.37%2.22%2.52%2.64%+28 bps
Return on Equity18.49%18.42%17.57%19.81%20.61%+212 bps
Net Interest Margin5.07%4.83%4.79%4.82%4.74%-33 bps
Efficiency Ratio50.53%50.28%54.40%52.00%51.49%+97 bps
Non-Interest Burden1.95%1.89%2.20%2.06%1.97%+2 bps
Growth
Asset Growth (YoY)10.18%10.33%13.62%9.16%6.34%-383 bps
Loan Growth (YoY)5.05%6.34%2.57%1.42%2.57%-248 bps
Deposit Growth (YoY)2.41%11.27%20.67%19.58%17.12%+1,470 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.98%1.10%-0.07%-0.22%-0.26%-124 bps
Allowance / Loans1.94%1.68%1.86%1.91%1.96%+3 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 Capital15.56%16.02%15.58%16.07%16.51%+95 bps
Equity / Assets12.86%13.21%12.12%12.84%13.13%+28 bps
Liquidity & Funding
Loans / Deposits107.28%101.47%90.74%94.13%93.96%-1,333 bps
Liquid Assets / Assets1.52%1.51%1.51%1.51%0.89%-63 bps
CRE / Total Capitaln/an/an/an/an/an/an/a