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Community Bank of the Midwest

Great Bend, KS · Cert 4646

FDIC · 5 branches

Q4 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: Q4 2020, the quarter ended December 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

Community Bank of the Midwest

Great Bend, KS · Cert 4646

FDIC · 5 branches

Q4 2020

$207.6MAssets
$108.5MLoans
$173.0MDeposits
$33.4MEquity
Loan mix
48%RE $36.1M46%C&I $34.5M6%Consumer $4.6MQ4 2019Q4 2020
Deposit mix
70%Interest-bearing $120.5M30%Noninterest $52.5MQ4 2019Q4 2020

NIM

4.03%Q4 ’184.11%Q4 ’191.90%Q4 ’20-1%-48%

Non-interest income vs. expense

2.50%Q4 ’182.34%Q4 ’191.60%Q4 ’20-12%-21%

Executive Summary

  • Earnings: ROA of 0.37%, down 109 bps year over year; NIM at 1.92%.
  • Asset quality: problem loans at 0.43% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.60%, up 93 bps from a year ago.
  • Funding: loans stand at 62.69% of deposits as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

0.37%-109 bps YoY

Net Interest Margin (YTD, annualized)

1.92%-180 bps YoY

Efficiency Ratio (YTD, annualized)

77.49%+2,347 bps YoY

Tier 1 Leverage Ratio

11.60%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets1.45%1.81%0.29%0.63%0.37%-109 bps
Return on Equity13.84%16.27%2.29%4.71%2.63%-1,120 bps
Net Interest Margin3.72%3.37%0.78%1.51%1.92%-180 bps
Efficiency Ratio54.02%52.38%63.05%54.97%77.49%+2,347 bps
Non-Interest Burden1.72%1.50%0.43%0.72%1.37%-35 bps
Growth
Asset Growth (YoY)-0.10%3.25%31.49%18.08%18.30%+1,841 bps
Loan Growth (YoY)-4.98%-5.03%6.19%13.05%8.24%+1,323 bps
Deposit Growth (YoY)-1.06%2.56%25.81%10.98%10.99%+1,205 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.28%0.64%0.53%0.43%+36 bps
Net Charge-Offs / Loans0.85%0.00%0.00%0.00%0.00%-85 bps
Allowance / Loans1.40%1.43%0.00%0.00%0.22%-118 bps
Allowance Coverage of NPLs19.2x5.0x0.0x0.0x0.5x-18.7x
Capital
Tier 1 Leverage Ratio10.67%11.08%11.79%11.65%11.60%+93 bps
Total Risk-Based Capital12.45%12.94%13.39%18.85%19.34%+689 bps
Equity / Assets10.89%11.36%14.80%15.92%16.09%+521 bps
Liquidity & Funding
Loans / Deposits64.28%63.20%61.39%66.18%62.69%-159 bps
Liquid Assets / Assets0.30%0.55%0.67%1.99%4.26%+396 bps
CRE / Total Capitaln/an/an/an/an/an/an/a