PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Southern Kansas, The

Mount Hope, KS · Cert 4734

FDIC

Q2 2012

$67.5MAssets
$29.9MLoans
$60.2MDeposits
$6.4MEquity
Loan mix
51%RE $11.0M40%C&I $8.7M9%Consumer $1.8MQ3 2010Q2 2012
Deposit mix
73%Interest-bearing $43.7M27%Noninterest $16.5MQ3 2010Q2 2012

Executive Summary

  • Earnings: ROA of 0.11%, down 15 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 49.60% of deposits as of Q2 2012.

Return on Assets (YTD, annualized)

0.11%-15 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-50 bps YoY

Efficiency Ratio (YTD, annualized)

93.04%+284 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.41%Q2 ’103.95%Q2 ’113.23%Q2 ’12-3%-15%

Non-interest income vs. expense

3.70%Q2 ’103.80%Q2 ’113.39%Q2 ’12-6%-12%

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.38%0.01%0.09%0.26%0.38%0.37%-0.07%0.11%-15 bps
Return on Equity-4.54%0.07%1.04%2.85%3.99%3.85%-0.69%1.13%-172 bps
Net Interest Margin3.32%3.23%3.15%3.38%3.38%3.28%2.92%2.88%-50 bps
Efficiency Ratio91.24%92.24%94.14%90.20%87.63%88.26%97.87%93.04%+284 bps
Non-Interest Burden2.98%2.92%2.92%2.97%2.85%2.79%2.84%2.63%-34 bps
Growth
Asset Growth (YoY)7.99%10.85%0.36%-8.77%-7.89%-8.61%-1.92%9.80%+1,857 bps
Loan Growth (YoY)-5.96%-8.82%-13.99%-10.93%-11.35%-11.69%-8.49%-10.66%+27 bps
Deposit Growth (YoY)9.68%12.06%-0.68%-10.95%-10.50%-10.99%-2.64%10.67%+2,162 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%-0.07%-0.18%-0.10%-0.07%-0.06%0.09%0.03%+13 bps
Allowance / Loans2.25%2.26%2.49%2.55%2.60%2.61%2.71%2.85%+30 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.72%13.19%14.97%15.26%15.62%15.09%15.30%15.74%+47 bps
Equity / Assets7.89%8.10%9.27%10.11%10.29%10.41%9.95%9.54%-57 bps
Liquidity & Funding
Loans / Deposits60.92%60.95%58.36%61.44%60.34%60.47%54.85%49.60%-1,184 bps
Liquid Assets / Assets2.42%8.14%9.60%9.23%9.22%8.11%12.84%15.67%+644 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a