Bunceton, MO · Cert 13585
FDIC · 3 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bunceton, MO · Cert 13585
FDIC · 3 branches
Q3 2018
Market Position · Columbia, MO · 2018 SOD (annual) · 0.5% share · #15 of 31 inst. · $0.0B of $4.2B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 1.61% | 1.14% | 0.95% | 0.74% | 0.36% | 0.43% | 0.45% | -50 bps | |
| Return on Equity | 4.98% | 10.63% | 8.50% | 7.49% | 6.01% | 3.35% | 4.04% | 4.30% | -319 bps | |
| Net Interest Margin | 4.49% | 5.35% | 4.51% | 4.22% | 4.38% | 3.50% | 3.59% | 3.54% | -68 bps | |
| Efficiency Ratio | 67.02% | 52.77% | 62.36% | 65.79% | 72.66% | 88.03% | 85.52% | 84.93% | +1,914 bps | |
| Non-Interest Burden | 2.82% | 2.61% | 2.61% | 2.65% | 3.10% | 3.02% | 3.02% | 2.96% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.79% | -8.51% | 0.08% | 1.03% | -2.65% | -1.46% | -4.48% | 0.14% | -88 bps | |
| Loan Growth (YoY) | 1.24% | 5.26% | 12.20% | 10.20% | 12.93% | 8.74% | 1.69% | 16.65% | +645 bps | |
| Deposit Growth (YoY) | 0.29% | -7.72% | 0.85% | 5.88% | -2.03% | 10.26% | 3.41% | 3.97% | -192 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.73% | 0.71% | 0.16% | 0.00% | 0.00% | -73 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.05% | 0.35% | 0.25% | 0.19% | 0.27% | 0.13% | 0.08% | -17 bps | |
| Allowance / Loans | 0.95% | 0.98% | 0.76% | 0.87% | 0.82% | 0.75% | 0.73% | 0.67% | -19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.2x | 1.2x | 4.9x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.55% | 14.06% | 8.44% | 8.83% | 9.41% | 9.22% | 9.20% | 9.12% | +29 bps | |
| Total Risk-Based Capital | 22.96% | 22.97% | 13.51% | 15.09% | 15.09% | 15.13% | 15.62% | 15.35% | +26 bps | |
| Equity / Assets | 14.89% | 15.43% | 10.03% | 10.38% | 10.81% | 10.52% | 10.34% | 10.12% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.02% | 76.19% | 78.48% | 72.25% | 80.71% | 75.14% | 77.18% | 81.06% | +882 bps | |
| Liquid Assets / Assets | 0.50% | 0.41% | 0.16% | 0.21% | 0.07% | 0.26% | 0.15% | 0.17% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |