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Cabool State Bank

Cabool, MO · Cert 1419

FDIC · 1 branch

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Cabool State Bank

Cabool, MO · Cert 1419

FDIC · 1 branch

Q4 2015

$67.1MAssets
$38.8MLoans
$59.3MDeposits
$7.7MEquity
Loan mix
88%RE $25.1M7%C&I $1.9M5%Consumer $1.5MQ4 2014Q4 2015
Deposit mix
84%Interest-bearing $49.7M16%Noninterest $9.6MQ4 2014Q4 2015

NIM

3.84%Q4 ’133.70%Q4 ’144.02%Q4 ’15-2%+10%

Non-interest income vs. expense

3.30%Q4 ’133.45%Q4 ’144.17%Q4 ’15+3%+20%

Executive Summary

  • Earnings: ROA of -2.49%, down 275 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.99%.
  • Capital: tier 1 leverage ratio of 12.65%.
  • Funding: loans stand at 65.51% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-2.49%-275 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+35 bps YoY

Efficiency Ratio (YTD, annualized)

100.67%+796 bps YoY

Tier 1 Leverage Ratio

12.65%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.26%0.08%-0.09%-0.03%-2.49%-275 bps
Return on Equity1.82%0.52%-0.56%-0.19%-17.33%-1,916 bps
Net Interest Margin3.45%3.48%3.62%3.42%3.80%+35 bps
Efficiency Ratio92.72%97.89%89.65%92.18%100.67%+796 bps
Non-Interest Burden3.18%3.40%3.22%3.13%3.83%+65 bps
Growth
Asset Growth (YoY)-6.90%-4.56%-7.05%-3.71%10.40%+1,730 bps
Loan Growth (YoY)-0.20%1.83%3.97%1.28%4.56%+475 bps
Deposit Growth (YoY)-8.23%-5.75%-8.33%-4.72%15.14%+2,337 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.69%2.01%1.36%0.99%+89 bps
Allowance / Loans1.68%1.48%1.01%1.03%4.59%+290 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a15.04%15.07%15.06%12.65%n/a
Total Risk-Based Capital24.05%22.20%22.16%22.69%19.24%-481 bps
Equity / Assets15.22%15.02%15.37%15.11%11.51%-371 bps
Liquidity & Funding
Loans / Deposits72.14%71.64%75.59%72.48%65.51%-663 bps
Liquid Assets / Assets4.88%5.51%4.93%6.63%4.37%-51 bps
CRE / Total Capitaln/an/an/an/an/an/an/a