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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.74% | 0.36% | 0.43% | 0.45% | -50 bps | |
| Return on Equity | 7.49% | 6.01% | 3.35% | 4.04% | 4.30% | -319 bps | |
| Net Interest Margin | 4.22% | 4.38% | 3.50% | 3.59% | 3.54% | -68 bps | |
| Efficiency Ratio | 65.79% | 72.66% | 88.03% | 85.52% | 84.93% | +1,914 bps | |
| Non-Interest Burden | 2.65% | 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 / Loans | 0.73% | 0.71% | 0.16% | 0.00% | 0.00% | -73 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.19% | 0.27% | 0.13% | 0.08% | -17 bps | |
| Allowance / Loans | 0.87% | 0.82% | 0.75% | 0.73% | 0.67% | -19 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 4.9x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.83% | 9.41% | 9.22% | 9.20% | 9.12% | +29 bps | |
| Total Risk-Based Capital | 15.09% | 15.09% | 15.13% | 15.62% | 15.35% | +26 bps | |
| Equity / Assets | 10.38% | 10.81% | 10.52% | 10.34% | 10.12% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.25% | 80.71% | 75.14% | 77.18% | 81.06% | +882 bps | |
| Liquid Assets / Assets | 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 |