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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

3.69%Q3 ’112.98%Q3 ’122.55%Q3 ’13-18%-11%

Non-interest income vs. expense

2.73%Q3 ’112.40%Q3 ’122.08%Q3 ’13-11%-16%

Executive Summary

  • Earnings: ROA of 0.99%, up 52 bps year over year; NIM at 2.19%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 3.66%.
  • Funding: loans stand at 24.22% of deposits as of Q3 2013.

Financial Results

Return on Assets (quarter, annualized)

0.99%+52 bps YoY

Net Interest Margin (quarter, annualized)

2.19%-27 bps YoY

Efficiency Ratio (quarter, annualized)

80.51%-345 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.46%-0.62%0.25%0.24%0.99%+52 bps
Return on Equity4.73%-6.37%2.56%2.61%11.24%+650 bps
Net Interest Margin2.46%2.46%2.41%2.19%2.19%-27 bps
Efficiency Ratio83.96%123.02%90.76%96.96%80.51%-345 bps
Non-Interest Burden2.00%3.12%2.15%2.11%1.69%-32 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-0.22%9.58%0.36%-0.13%-3.66%-344 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