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First Neodesha Bank

Neodesha, KS · Cert 4736

FDIC · 5 branches

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

First Neodesha Bank

Neodesha, KS · Cert 4736

FDIC · 5 branches

Q4 2019

$111.4MAssets
$87.2MLoans
$97.7MDeposits
$10.6MEquity
Loan mix
81%RE $47.2M9%C&I $5.5M9%Consumer $5.5MQ4 2018Q4 2019
Deposit mix
79%Interest-bearing $77.2M21%Noninterest $20.5MQ4 2018Q4 2019

NIM

4.20%Q4 ’174.27%Q4 ’184.36%Q4 ’19+1%-3%

Non-interest income vs. expense

2.62%Q4 ’172.59%Q4 ’182.37%Q4 ’19+1%-13%

Executive Summary

  • Earnings: ROA of 1.73%, up 14 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.73% of loans (+72 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.59%, down 19 bps from a year ago.
  • Funding: loans stand at 89.29% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

1.73%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-11 bps YoY

Efficiency Ratio (YTD, annualized)

55.97%-433 bps YoY

Tier 1 Leverage Ratio

9.59%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.59%1.77%1.74%1.73%1.73%+14 bps
Return on Equity16.14%18.44%18.01%17.70%17.80%+166 bps
Net Interest Margin3.77%3.70%3.73%3.73%3.66%-11 bps
Efficiency Ratio60.30%55.31%56.82%57.17%55.97%-433 bps
Non-Interest Burden2.06%1.81%1.89%1.91%1.79%-27 bps
Growth
Asset Growth (YoY)6.23%7.71%8.94%10.66%7.85%+162 bps
Loan Growth (YoY)0.68%5.16%6.74%8.87%10.33%+965 bps
Deposit Growth (YoY)6.30%9.23%10.60%11.91%8.92%+261 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.79%0.77%0.75%0.73%+72 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.03%1.03%1.01%1.00%1.09%+6 bps
Allowance Coverage of NPLs163.4x1.3x1.3x1.3x1.5x-161.9x
Capital
Tier 1 Leverage Ratio9.78%9.52%9.55%9.80%9.59%-19 bps
Total Risk-Based Capital14.78%14.99%14.95%14.89%14.32%-46 bps
Equity / Assets9.53%9.70%9.80%9.97%9.56%+3 bps
Liquidity & Funding
Loans / Deposits88.14%87.83%89.30%92.78%89.29%+114 bps
Liquid Assets / Assets19.48%18.70%16.01%16.08%18.01%-147 bps
CRE / Total Capitaln/an/an/an/an/an/an/a