PackageTrendsPeer
Letter portraitLegal landscape

Bunceton State Bank

Bunceton, MO · Cert 13585

FDIC · 3 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Bunceton State Bank

Bunceton, MO · Cert 13585

FDIC · 3 branches

Q3 2018

$42.6MAssets
$29.4MLoans
$36.2MDeposits
$4.3MEquity
Loan mix
91%RE $20.9M8%C&I $1.8M1%Consumer $0.3MQ3 2017Q3 2018
Deposit mix
89%Interest-bearing $32.2M11%Noninterest $4.0MQ3 2017Q3 2018

NIM

4.86%Q3 ’164.90%Q3 ’174.53%Q3 ’18-2%-16%

Non-interest income vs. expense

3.04%Q3 ’163.04%Q3 ’173.30%Q3 ’18-4%+12%

Market Position · Columbia, MO · 2018 SOD (annual) · 0.5% share · #15 of 31 inst. · $0.0B of $4.2B

0.5% Boone
3.9% Cooper

Executive Summary

  • Earnings: ROA of 0.45%, down 50 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.00% of loans (-73 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.12%, up 29 bps from a year ago.
  • Funding: loans stand at 81.06% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.45%-50 bps YoY

Net Interest Margin (YTD, annualized)

3.54%-68 bps YoY

Efficiency Ratio (YTD, annualized)

84.93%+1,914 bps YoY

Tier 1 Leverage Ratio

9.12%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.95%0.74%0.36%0.43%0.45%-50 bps
Return on Equity7.49%6.01%3.35%4.04%4.30%-319 bps
Net Interest Margin4.22%4.38%3.50%3.59%3.54%-68 bps
Efficiency Ratio65.79%72.66%88.03%85.52%84.93%+1,914 bps
Non-Interest Burden2.65%3.10%3.02%3.02%2.96%+31 bps
Growth
Asset Growth (YoY)1.03%-2.65%-1.46%-4.48%0.14%-88 bps
Loan Growth (YoY)10.20%12.93%8.74%1.69%16.65%+645 bps
Deposit Growth (YoY)5.88%-2.03%10.26%3.41%3.97%-192 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.71%0.16%0.00%0.00%-73 bps
Net Charge-Offs / Loans0.25%0.19%0.27%0.13%0.08%-17 bps
Allowance / Loans0.87%0.82%0.75%0.73%0.67%-19 bps
Allowance Coverage of NPLs1.2x1.2x4.9xn/an/an/a
Capital
Tier 1 Leverage Ratio8.83%9.41%9.22%9.20%9.12%+29 bps
Total Risk-Based Capital15.09%15.09%15.13%15.62%15.35%+26 bps
Equity / Assets10.38%10.81%10.52%10.34%10.12%-26 bps
Liquidity & Funding
Loans / Deposits72.25%80.71%75.14%77.18%81.06%+882 bps
Liquid Assets / Assets0.21%0.07%0.26%0.15%0.17%-4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a