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Bank Star of the Bootheel

Steele, MO · Cert 10629

FDIC · 2 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Bank Star of the Bootheel

Steele, MO · Cert 10629

FDIC · 2 branches

Q3 2015

$98.3MAssets
$79.5MLoans
$78.5MDeposits
$9.1MEquity
Loan mix
82%RE $43.7M6%C&I $3.3M12%Consumer $6.2MQ3 2014Q3 2015
Deposit mix
84%Interest-bearing $66.2M16%Noninterest $12.4MQ3 2014Q3 2015

NIM

4.56%Q3 ’134.30%Q3 ’144.46%Q3 ’15-5%+4%

Non-interest income vs. expense

3.39%Q3 ’133.45%Q3 ’143.71%Q3 ’15+2%+9%

Executive Summary

  • Earnings: ROA of 0.74%, down 34 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.20%.
  • Funding: loans stand at 101.28% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.74%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+17 bps YoY

Efficiency Ratio (YTD, annualized)

73.61%+225 bps YoY

Tier 1 Leverage Ratio

9.20%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.08%1.01%0.62%0.74%0.74%-34 bps
Return on Equity12.81%11.73%6.56%7.92%7.92%-489 bps
Net Interest Margin3.97%4.17%4.21%4.18%4.13%+17 bps
Efficiency Ratio71.36%72.37%78.49%75.11%73.61%+225 bps
Non-Interest Burden2.58%2.77%3.11%2.91%2.81%+22 bps
Growth
Asset Growth (YoY)1.92%-4.84%-3.50%-5.73%-10.00%-1,191 bps
Loan Growth (YoY)2.75%2.61%4.59%-2.05%-5.02%-777 bps
Deposit Growth (YoY)-1.13%-6.17%-4.16%-5.00%-9.64%-850 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.24%0.05%0.27%0.21%+1 bps
Allowance / Loans1.04%1.23%1.22%1.07%1.04%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a9.33%9.34%9.20%n/a
Total Risk-Based Capital13.22%15.51%14.96%14.64%14.29%+107 bps
Equity / Assets8.15%9.63%9.31%9.09%9.28%+114 bps
Liquidity & Funding
Loans / Deposits96.35%83.69%85.96%93.74%101.28%+493 bps
Liquid Assets / Assets0.11%1.31%1.29%1.17%3.12%+302 bps
CRE / Total Capitaln/an/an/an/an/an/an/a