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Central Bank of Missouri

Sedalia, MO · Cert 13787

FDIC · 4 branches

Q1 2020

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: Q1 2020, the quarter ended March 31, 2020, 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

Central Bank of Missouri

Sedalia, MO · Cert 13787

FDIC · 4 branches

Q1 2020

$102.8MAssets
$74.0MLoans
$88.1MDeposits
$11.3MEquity
Loan mix
97%RE $65.8M1%C&I $0.9M2%Consumer $1.4MQ1 2019Q1 2020
Deposit mix
78%Interest-bearing $68.8M22%Noninterest $19.3MQ1 2019Q1 2020

NIM

3.79%Q1 ’184.10%Q1 ’194.09%Q1 ’20+1%-3%

Non-interest income vs. expense

2.61%Q1 ’182.61%Q1 ’192.21%Q1 ’20+1%-18%

Market Position · Columbia, MO · 2019 SOD (annual) · 0.1% share · #30 of 39 inst. · $0.0B of $5.2B

10.4% Pettis
0.1% Boone

Executive Summary

  • Earnings: ROA of 1.40%, up 32 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.25% of loans (-26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.90%, up 28 bps from a year ago.
  • Funding: loans stand at 83.98% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

1.40%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.19%-8 bps YoY

Efficiency Ratio (YTD, annualized)

61.36%-935 bps YoY

Tier 1 Leverage Ratio

10.90%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets1.08%1.19%1.15%1.20%1.40%+32 bps
Return on Equity10.16%11.13%10.71%11.11%12.79%+263 bps
Net Interest Margin3.28%3.26%3.18%3.16%3.19%-8 bps
Efficiency Ratio70.72%67.97%68.78%67.43%61.36%-935 bps
Non-Interest Burden2.20%2.08%2.05%1.99%1.81%-39 bps
Growth
Asset Growth (YoY)7.88%7.94%7.25%5.55%2.92%-495 bps
Loan Growth (YoY)5.30%2.27%2.05%3.63%5.09%-21 bps
Deposit Growth (YoY)7.84%7.93%7.57%6.27%2.59%-525 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.29%0.28%0.26%0.25%-26 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans2.32%2.35%2.31%2.24%2.21%-11 bps
Allowance Coverage of NPLs4.6x8.1x8.4x8.6x9.0x+4.3x
Capital
Tier 1 Leverage Ratio10.61%10.76%10.78%10.59%10.90%+28 bps
Total Risk-Based Capital16.33%17.04%17.00%16.54%16.84%+51 bps
Equity / Assets10.41%10.73%10.98%10.85%10.99%+58 bps
Liquidity & Funding
Loans / Deposits81.99%80.35%80.98%83.51%83.98%+199 bps
Liquid Assets / Assets0.04%0.04%0.04%0.04%0.05%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a