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Visionbank

Topeka, KS · Cert 58000

FDIC · 3 branches

Q1 2022

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: Q1 2022, the quarter ended March 31, 2022, 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

Visionbank

Topeka, KS · Cert 58000

FDIC · 3 branches

Q1 2022

$227.0MAssets
$175.6MLoans
$187.0MDeposits
$30.9MEquity
Loan mix
67%RE $94.5M30%C&I $41.7M3%Consumer $4.6MQ1 2021Q1 2022
Deposit mix
61%Interest-bearing $113.6M39%Noninterest $73.4MQ1 2021Q1 2022

NIM

4.78%Q1 ’203.82%Q1 ’213.33%Q1 ’22-10%-4%

Non-interest income vs. expense

2.97%Q1 ’202.68%Q1 ’212.75%Q1 ’22-22%+22%

Market Position · Topeka, KS · 2021 SOD (annual) · 2.4% share · #8 of 33 inst. · $0.2B of $6.2B

3.0% Shawnee
0.1% Johnson

Executive Summary

  • Earnings: ROA of 0.64%, down 45 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.05% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.57%, up 21 bps from a year ago.
  • Funding: loans stand at 93.90% of deposits as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

0.64%-45 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-14 bps YoY

Efficiency Ratio (YTD, annualized)

72.71%+1,072 bps YoY

Tier 1 Leverage Ratio

8.57%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets1.09%1.23%1.22%0.06%0.64%-45 bps
Return on Equity12.81%14.08%13.69%0.64%4.93%-788 bps
Net Interest Margin3.46%3.66%3.57%0.14%3.31%-14 bps
Efficiency Ratio61.99%60.53%61.09%60.85%72.71%+1,072 bps
Non-Interest Burden1.80%1.88%1.86%0.08%2.19%+39 bps
Growth
Asset Growth (YoY)12.24%-4.33%-6.67%13.71%3.20%-904 bps
Loan Growth (YoY)0.58%-6.05%-4.96%-4.47%-2.58%-316 bps
Deposit Growth (YoY)11.36%1.70%0.04%9.50%-1.18%-1,254 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.30%0.00%0.04%0.05%-8 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%-2 bps
Allowance / Loans1.16%1.19%1.23%0.00%0.04%-111 bps
Allowance Coverage of NPLs9.3x3.9xn/a0.0x0.9x-8.4x
Capital
Tier 1 Leverage Ratio8.36%8.82%8.92%8.82%8.57%+21 bps
Total Risk-Based Capital8.36%8.82%8.92%10.61%10.60%+224 bps
Equity / Assets8.62%9.17%9.52%12.45%13.62%+500 bps
Liquidity & Funding
Loans / Deposits95.25%100.50%97.45%83.58%93.90%-135 bps
Liquid Assets / Assets10.66%7.46%8.93%19.67%4.51%-616 bps
CRE / Total Capitaln/an/an/an/an/an/an/a