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Condon National Bank of Coffeyville, The

Coffeyville, KS · Cert 4643

FDIC

Q3 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: Q3 2013, the quarter ended September 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

Condon National Bank of Coffeyville, The

Coffeyville, KS · Cert 4643

FDIC

Q3 2013

$104.8MAssets
$22.9MLoans
$94.8MDeposits
$9.3MEquity
Loan mix
57%RE $7.7M33%C&I $4.4M11%Consumer $1.4MQ3 2012Q3 2013
Deposit mix
85%Interest-bearing $80.9M15%Noninterest $13.9MQ3 2012Q3 2013

NIM

3.65%Q3 ’113.12%Q3 ’122.63%Q3 ’13-13%-12%

Non-interest income vs. expense

2.71%Q3 ’112.55%Q3 ’122.34%Q3 ’13-6%-8%

Executive Summary

  • Earnings: ROA of 0.49%, down 37 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 1.14%.
  • Funding: loans stand at 24.22% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.49%-37 bps YoY

Net Interest Margin (YTD, annualized)

2.24%-32 bps YoY

Efficiency Ratio (YTD, annualized)

89.38%+371 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.86%0.49%0.25%0.24%0.49%-37 bps
Return on Equity8.58%4.93%2.56%2.60%5.38%-320 bps
Net Interest Margin2.56%2.57%2.41%2.28%2.24%-32 bps
Efficiency Ratio85.67%94.60%90.76%93.73%89.38%+371 bps
Non-Interest Burden2.13%2.41%2.15%2.12%1.97%-17 bps
Growth
Asset Growth (YoY)5.20%3.28%-1.22%-0.51%-0.18%-538 bps
Loan Growth (YoY)-11.31%-9.15%-10.92%-8.00%-9.52%+179 bps
Deposit Growth (YoY)6.10%4.62%0.05%1.27%1.35%-475 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-1.01%1.62%0.36%0.12%-1.14%-12 bps
Allowance / Loans3.01%1.39%1.44%1.49%1.58%-143 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 Capital27.84%26.35%26.53%26.42%27.49%-35 bps
Equity / Assets9.74%9.72%9.46%8.74%8.86%-88 bps
Liquidity & Funding
Loans / Deposits27.13%27.65%26.71%25.88%24.22%-291 bps
Liquid Assets / Assets9.31%4.25%6.74%10.41%11.64%+232 bps
CRE / Total Capitaln/an/an/an/an/an/an/a