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Pleasant Hill Bank, The

Pleasant Hill, MO · Cert 13915

FDIC · 2 branches

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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

Pleasant Hill Bank, The

Pleasant Hill, MO · Cert 13915

FDIC · 2 branches

Q4 2016

$80.6MAssets
$41.6MLoans
$72.1MDeposits
$8.4MEquity
Loan mix
78%RE $28.1M16%C&I $5.9M6%Consumer $2.2MQ4 2015Q4 2016
Deposit mix
77%Interest-bearing $55.4M23%Noninterest $16.8MQ4 2015Q4 2016

NIM

3.01%Q4 ’142.91%Q4 ’153.09%Q4 ’16-3%+7%

Non-interest income vs. expense

2.90%Q4 ’142.77%Q4 ’152.81%Q4 ’16-6%+2%

Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.1% share · #81 of 135 inst. · $0.1B of $52.7B

Executive Summary

  • Earnings: ROA of 0.30%, up 8 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.79%, down 5 bps from a year ago.
  • Funding: loans stand at 57.62% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.30%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+18 bps YoY

Efficiency Ratio (YTD, annualized)

84.69%-362 bps YoY

Tier 1 Leverage Ratio

10.79%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.22%0.32%0.30%0.30%0.30%+8 bps
Return on Equity1.99%2.98%2.78%2.79%2.79%+80 bps
Net Interest Margin2.74%2.84%2.84%2.86%2.92%+18 bps
Efficiency Ratio88.31%85.02%85.22%84.79%84.69%-362 bps
Non-Interest Burden2.37%2.34%2.36%2.36%2.42%+4 bps
Growth
Asset Growth (YoY)6.23%3.57%3.02%3.37%3.46%-277 bps
Loan Growth (YoY)10.13%8.64%5.38%6.44%3.28%-685 bps
Deposit Growth (YoY)6.97%3.91%3.25%3.65%3.70%-327 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.00%0.01%0.00%0.00%-1 bps
Allowance / Loans0.97%1.02%1.08%1.07%1.11%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.84%10.51%10.49%10.68%10.79%-5 bps
Total Risk-Based Capital20.74%21.76%21.10%20.11%31.46%+1,072 bps
Equity / Assets10.60%10.74%10.88%10.74%10.38%-22 bps
Liquidity & Funding
Loans / Deposits57.85%57.68%57.25%59.04%57.62%-23 bps
Liquid Assets / Assets16.68%17.63%16.79%15.26%15.86%-83 bps
CRE / Total Capitaln/an/an/an/an/an/an/a