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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 $6.2MQ4 2013Q3 2015
Deposit mix
84%Interest-bearing $66.2M16%Noninterest $12.4MQ4 2013Q3 2015

Executive Summary

  • Earnings: ROA of 0.73%, down 96 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 9.20%.
  • Funding: loans stand at 101.28% of deposits as of Q3 2015.

Return on Assets (quarter, annualized)

0.73%-96 bps YoY

Net Interest Margin (quarter, annualized)

4.32%+5 bps YoY

Efficiency Ratio (quarter, annualized)

70.78%+384 bps YoY

Tier 1 Leverage Ratio

9.20%

NIM

4.84%Q3 ’134.61%Q3 ’144.65%Q3 ’15-5%+1%

Non-interest income vs. expense

3.45%Q3 ’133.46%Q3 ’143.70%Q3 ’15-1%+9%

Discrete quarter, annualized.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.00%0.71%0.81%1.69%0.75%0.62%0.86%0.73%-96 bps
Return on Equity12.29%8.17%9.52%20.58%8.55%6.56%9.36%7.95%-1,263 bps
Net Interest Margin4.26%4.00%4.21%4.27%4.16%4.21%4.25%4.32%+5 bps
Efficiency Ratio70.83%75.04%72.68%66.93%75.39%78.49%71.92%70.78%+384 bps
Non-Interest Burden2.77%2.78%2.81%2.56%2.92%3.11%2.78%2.80%+24 bps
Growth
Asset Growth (YoY)0.88%-0.85%2.14%1.92%-4.84%-3.50%-5.73%-10.00%-1,191 bps
Loan Growth (YoY)1.87%-1.67%0.68%2.75%2.61%4.59%-2.05%-5.02%-777 bps
Deposit Growth (YoY)0.88%-1.06%-4.34%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.35%0.12%0.08%0.43%0.22%0.05%0.49%0.11%-33 bps
Allowance / Loans1.77%1.76%1.57%1.04%1.23%1.22%1.07%1.04%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/a9.33%9.34%9.20%n/a
Total Risk-Based Capital14.96%15.13%13.84%13.22%15.51%14.96%14.64%14.29%+107 bps
Equity / Assets8.57%8.71%8.29%8.15%9.63%9.31%9.09%9.28%+114 bps
Liquidity & Funding
Loans / Deposits76.52%78.77%90.91%96.35%83.69%85.96%93.74%101.28%+493 bps
Liquid Assets / Assets0.54%0.13%0.28%0.11%1.31%1.29%1.17%3.12%+302 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a