Urbana, MO · Cert 10606
FDIC · 4 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Urbana, MO · Cert 10606
FDIC · 4 branches
Q3 2016
Market Position · Springfield, MO · 2016 SOD (annual) · 1.0% share · #24 of 39 inst. · $0.1B of $9.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.02% | 0.99% | 0.99% | 1.06% | 0.85% | 0.70% | 0.39%1 | -60 bps | |
| Return on Equity | 6.33% | 7.24% | 7.19% | 7.25% | 7.78% | 6.38% | 5.11% | 3.19% | -406 bps | |
| Net Interest Margin | 3.29% | 3.23% | 3.14% | 3.12% | 3.21% | 3.23% | 3.22% | 3.19% | +7 bps | |
| Efficiency Ratio | 68.35% | 68.34% | 66.59% | 65.05% | 63.36% | 63.19% | 65.28% | 103.94% | +3,889 bps | |
| Non-Interest Burden | 2.11% | 2.10% | 1.94% | 1.86% | 1.85% | 1.86% | 1.92% | 3.34% | +148 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | 7.13% | 4.30% | 3.06% | 5.21% | 1.75% | -2.43% | -2.15% | -521 bps | |
| Loan Growth (YoY) | 0.76% | 1.59% | 5.47% | 3.98% | 7.81% | 8.36% | 7.33% | 9.13% | +515 bps | |
| Deposit Growth (YoY) | 4.22% | 7.53% | 5.47% | 4.95% | 6.96% | 1.77% | -3.80% | 3.94% | -101 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.38% | 0.71% | 0.36% | 0.22% | 0.22% | 0.18% | 0.10% | 0.04% | -18 bps | |
| Allowance / Loans | 1.39% | 1.21% | 1.21% | 1.29% | 1.19% | 1.19% | 1.49% | 1.48% | +19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 13.95% | 13.13% | 13.20% | 13.30% | 13.10% | 13.25% | 8.34% | -486 bps | |
| Total Risk-Based Capital | 31.07% | 30.62% | 28.66% | 28.26% | 27.34% | 27.22% | 26.78% | 16.67% | -1,159 bps | |
| Equity / Assets | 14.67% | 13.45% | 13.13% | 13.58% | 13.34% | 13.42% | 14.11% | 8.45% | -512 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.73% | 48.39% | 49.42% | 49.64% | 51.14% | 51.53% | 55.14% | 52.11% | +248 bps | |
| Liquid Assets / Assets | 3.98% | 4.24% | 3.62% | 4.18% | 4.10% | 8.38% | 5.86% | 1.24% | -294 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |