PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security Bank and Trust Company

Scott City, MO · Cert 10620

FDIC

Q3 2012

$79.5MAssets
$46.2MLoans
$71.6MDeposits
$6.8MEquity
Loan mix
86%RE $38.5M4%C&I $1.8M10%Consumer $4.4MQ4 2010Q3 2012
Deposit mix
80%Interest-bearing $57.2M20%Noninterest $14.4MQ4 2010Q3 2012

Executive Summary

  • Earnings: ROA of 1.14%, up 8 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.10%.
  • Funding: loans stand at 64.54% of deposits as of Q3 2012.

Return on Assets (quarter, annualized)

1.14%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.37%-10 bps YoY

Efficiency Ratio (quarter, annualized)

69.54%-434 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.50%Q3 ’104.17%Q3 ’113.94%Q3 ’12-4%-3%

Non-interest income vs. expense

3.44%Q3 ’103.18%Q3 ’112.87%Q3 ’12-11%-10%

Discrete quarter, annualized.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.94%0.94%0.32%1.06%0.85%0.87%1.08%1.14%+8 bps
Return on Equity10.66%10.67%3.62%12.23%10.01%10.38%12.91%13.47%+124 bps
Net Interest Margin3.59%3.56%3.58%3.47%3.39%3.27%3.20%3.37%-10 bps
Efficiency Ratio78.07%75.70%91.20%73.88%78.81%73.62%77.78%69.54%-434 bps
Non-Interest Burden2.63%2.52%3.26%2.35%2.52%2.24%2.33%2.11%-24 bps
Growth
Asset Growth (YoY)-4.87%-2.61%0.87%8.19%11.57%12.14%8.05%3.00%-519 bps
Loan Growth (YoY)-9.56%-7.81%-4.78%-2.75%1.16%2.14%3.70%3.28%+603 bps
Deposit Growth (YoY)-4.42%-1.77%2.02%10.20%12.28%12.87%8.32%3.06%-714 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 / Loans0.38%0.30%-0.01%0.04%0.04%0.12%-0.04%-0.10%-14 bps
Allowance / Loans0.92%0.92%0.92%0.92%0.90%0.95%0.95%1.01%+10 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 Capital15.45%16.07%16.57%16.25%16.06%16.11%16.04%16.08%-16 bps
Equity / Assets8.92%8.70%8.78%8.56%8.51%8.27%8.39%8.55%-2 bps
Liquidity & Funding
Loans / Deposits71.53%67.03%66.36%64.41%64.45%60.66%63.53%64.54%+13 bps
Liquid Assets / Assets3.06%6.68%12.53%8.95%6.66%10.66%11.94%9.16%+21 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a