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Platte Valley Bank of Missouri

Platte City, MO · Cert 14869

FDIC · 9 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

Platte Valley Bank of Missouri

Platte City, MO · Cert 14869

FDIC · 9 branches

Q1 2020

$690.4MAssets
$432.0MLoans
$540.4MDeposits
$115.3MEquity
Loan mix
88%RE $318.1M10%C&I $36.5M1%Consumer $5.3MQ1 2019Q1 2020
Deposit mix
72%Interest-bearing $391.3M28%Noninterest $149.1MQ1 2019Q1 2020

NIM

4.30%Q1 ’184.64%Q1 ’194.22%Q1 ’20+2%-2%

Non-interest income vs. expense

3.48%Q1 ’183.48%Q1 ’192.49%Q1 ’20+9%-39%

Market Position · Kansas City, MO-KS · 2019 SOD (annual) · 0.9% share · #22 of 123 inst. · $0.5B of $61.3B

18.2% Platte
4.7% Clay
9.8% Clinton

Executive Summary

  • Earnings: ROA of 1.50%, down 12 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.04% of loans (-6 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 9.08%, down 90 bps from a year ago.
  • Funding: loans stand at 79.94% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

1.50%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.99%-10 bps YoY

Efficiency Ratio (YTD, annualized)

49.05%-1,930 bps YoY

Tier 1 Leverage Ratio

9.08%-90 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets1.62%1.84%1.98%0.09%1.50%-12 bps
Return on Equity16.69%18.79%19.85%0.78%9.11%-758 bps
Net Interest Margin4.09%4.08%4.11%0.39%3.99%-10 bps
Efficiency Ratio68.35%63.90%62.33%66.61%49.05%-1,930 bps
Non-Interest Burden2.48%2.22%2.13%0.23%1.51%-97 bps
Growth
Asset Growth (YoY)6.75%9.02%9.31%26.76%15.41%+866 bps
Loan Growth (YoY)8.03%10.58%11.28%7.08%0.71%-732 bps
Deposit Growth (YoY)7.74%9.92%8.33%14.48%2.78%-496 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.11%0.13%0.04%-6 bps
Net Charge-Offs / Loans0.01%0.05%0.02%0.00%-0.05%-6 bps
Allowance / Loans1.24%1.21%1.21%0.03%0.14%-110 bps
Allowance Coverage of NPLs13.2x13.7x10.9x0.2x3.8x-9.4x
Capital
Tier 1 Leverage Ratio9.98%10.14%10.31%10.42%9.08%-90 bps
Total Risk-Based Capital13.53%13.76%13.84%12.35%12.94%-59 bps
Equity / Assets9.47%10.02%10.46%16.27%16.70%+723 bps
Liquidity & Funding
Loans / Deposits81.58%84.57%87.40%80.33%79.94%-164 bps
Liquid Assets / Assets6.34%3.41%3.61%11.90%7.60%+127 bps
CRE / Total Capitaln/an/an/an/an/an/an/a