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Marshall County Bank of Beattie

Beattie, KS · Cert 4626

FDIC · 2 branches

Q1 2020

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: Q1 2020, the quarter ended March 31, 2020, 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

Marshall County Bank of Beattie

Beattie, KS · Cert 4626

FDIC · 2 branches

Q1 2020

$120.6MAssets
$84.8MLoans
$93.6MDeposits
$23.0MEquity
Loan mix
73%RE $53.1M26%C&I $18.7M1%Consumer $0.8MQ1 2019Q1 2020
Deposit mix
76%Interest-bearing $71.5M24%Noninterest $22.1MQ1 2019Q1 2020

NIM

4.60%Q1 ’184.79%Q1 ’195.49%Q1 ’20-5%+49%

Non-interest income vs. expense

2.83%Q1 ’182.94%Q1 ’192.75%Q1 ’20-5%+6%

Market Position · Kansas City, MO-KS · 2019 SOD (annual) · 0.2% share · #56 of 123 inst. · $0.1B of $61.3B

Executive Summary

  • Earnings: ROA of 2.27%, up 157 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 0.51% of loans (-188 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.74%, down 3 bps from a year ago.
  • Funding: loans stand at 90.55% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

2.27%+157 bps YoY

Net Interest Margin (YTD, annualized)

5.11%+169 bps YoY

Efficiency Ratio (YTD, annualized)

54.91%-1,628 bps YoY

Tier 1 Leverage Ratio

9.74%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.70%0.80%0.92%0.56%12.27%+157 bps
Return on Equity7.28%8.19%9.14%5.46%14.61%+733 bps
Net Interest Margin3.43%3.47%3.46%3.87%5.11%+169 bps
Efficiency Ratio71.19%71.56%67.24%80.11%54.91%-1,628 bps
Non-Interest Burden2.24%2.29%2.00%2.88%2.38%+14 bps
Growth
Asset Growth (YoY)-1.64%-0.59%-2.09%-16.40%-14.14%-1,250 bps
Loan Growth (YoY)-3.21%-1.78%-5.30%-6.09%-15.92%-1,271 bps
Deposit Growth (YoY)-0.74%-6.83%-2.50%-12.82%-19.12%-1,838 bps
Asset Quality
Nonperforming Loans / Loans2.38%2.31%0.00%0.45%0.51%-188 bps
Net Charge-Offs / Loans0.98%0.48%0.71%1.60%-0.02%-101 bps
Allowance / Loans1.83%1.80%1.85%1.50%0.01%-183 bps
Allowance Coverage of NPLs0.8x0.8xn/a3.3x0.0x-0.8x
Capital
Tier 1 Leverage Ratio9.77%10.02%10.08%11.10%9.74%-3 bps
Total Risk-Based Capital13.65%13.53%14.46%14.64%12.24%-141 bps
Equity / Assets9.86%10.12%10.80%11.95%19.03%+917 bps
Liquidity & Funding
Loans / Deposits87.10%94.05%86.24%94.92%90.55%+345 bps
Liquid Assets / Assets2.41%2.32%2.41%1.55%1.48%-93 bps
CRE / Total Capitaln/an/an/an/an/an/an/a