Cameron, MO · Cert 10611
FDIC · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Cameron, MO · Cert 10611
FDIC · 1 branch
Q2 2018
Market Position · St. Joseph, MO-KS · 2018 SOD (annual) · 0.8% share · #19 of 22 inst. · $0.0B of $2.2B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.45% | 0.56% | 0.86% | 0.69% | 0.59% | 1.03% | 1.69% | +83 bps | |
| Return on Equity | 4.28% | 6.06% | 7.31% | 11.05% | 8.80% | 7.48% | 10.42% | 15.17% | +412 bps | |
| Net Interest Margin | 4.09% | 4.13% | 4.19% | 4.19% | 4.28% | 4.17% | 3.93% | 3.87% | -32 bps | |
| Efficiency Ratio | 91.24% | 89.30% | 88.72% | 83.27% | 86.28% | 88.35% | 79.86% | 66.37% | -1,690 bps | |
| Non-Interest Burden | 3.64% | 3.58% | 3.62% | 3.33% | 3.57% | 3.58% | 2.79% | 2.16% | -118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | -2.99% | 1.19% | -1.60% | -1.23% | 1.86% | 16.39% | 5.00% | +660 bps | |
| Loan Growth (YoY) | 18.17% | 11.17% | 14.11% | -0.17% | -2.22% | -6.14% | -6.26% | -2.98% | -281 bps | |
| Deposit Growth (YoY) | 0.18% | -1.95% | 0.91% | 3.45% | 3.46% | 2.23% | 11.29% | -1.47% | -492 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 3.33% | 2.52% | 2.27% | 1.95% | 0.00% | 0.00% | -252 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.00% | 0.27% | 0.19% | 0.15% | 0.00% | 0.00% | -27 bps | |
| Allowance / Loans | 1.19% | 1.19% | 1.20% | 1.10% | 1.08% | 1.14% | 0.00% | 0.00% | -110 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.4x | 0.4x | 0.5x | 0.6x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.44% | 7.64% | 7.89% | 7.96% | 7.83% | 7.66% | 12.44% | 12.26% | +430 bps | |
| Total Risk-Based Capital | 13.40% | 13.04% | 13.13% | 13.81% | 14.36% | 15.09% | 21.35% | 22.35% | +854 bps | |
| Equity / Assets | 7.49% | 7.77% | 7.67% | 8.04% | 7.89% | 7.73% | 11.76% | 13.77% | +573 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.03% | 74.40% | 71.58% | 70.33% | 73.74% | 68.31% | 60.29% | 69.25% | -108 bps | |
| Liquid Assets / Assets | 24.53% | 24.04% | 27.25% | 29.21% | 26.28% | 30.13% | 37.68% | 30.30% | +109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |