Canton, MO · Cert 15285
FDIC · 1 branch
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Canton, MO · Cert 15285
FDIC · 1 branch
Q3 2020
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.29% | 0.19% | 0.45% | 0.49% | 0.07% | 0.06% | 0.10% | -35 bps | |
| Return on Equity | 3.46% | 2.82% | 1.86% | 4.39% | 4.78% | 0.70% | 0.59% | 1.10% | -329 bps | |
| Net Interest Margin | 3.31% | 3.50% | 3.52% | 3.34% | 3.28% | 3.48% | 3.28% | 2.83% | -51 bps | |
| Efficiency Ratio | 86.04% | 91.53% | 93.90% | 88.18% | 88.06% | 87.70% | 91.50% | 91.90% | +372 bps | |
| Non-Interest Burden | 2.79% | 3.14% | 3.26% | 2.89% | 2.84% | 3.04% | 3.00% | 2.59% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.99% | -0.69% | -1.98% | 8.10% | 8.00% | 2.49% | 13.40% | 21.04% | +1,294 bps | |
| Loan Growth (YoY) | 6.13% | 1.74% | 1.56% | 12.23% | 9.47% | 13.93% | 11.38% | -6.63% | -1,886 bps | |
| Deposit Growth (YoY) | -0.93% | -1.08% | -2.78% | 8.56% | 2.28% | 4.41% | 17.33% | 25.99% | +1,744 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.38% | 0.56% | 0.97% | 1.07% | 0.97% | 0.94% | 2.00% | +103 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.10% | -0.07% | -0.02% | 0.02% | -0.02% | +8 bps | |
| Allowance / Loans | 1.06% | 1.11% | 1.09% | 1.10% | 1.08% | 1.09% | 1.08% | 1.24% | +13 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.9x | 2.0x | 1.1x | 1.0x | 1.1x | 1.1x | 0.6x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.20% | 9.49% | 9.58% | 8.99% | 8.59% | 10.28% | 9.95% | 8.73% | -26 bps | |
| Total Risk-Based Capital | 18.11% | 19.90% | 18.90% | 16.51% | 15.57% | 10.28% | 17.39% | 18.51% | +200 bps | |
| Equity / Assets | 10.26% | 10.48% | 10.58% | 10.03% | 9.89% | 9.97% | 8.99% | 7.85% | -218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.51% | 69.21% | 71.40% | 70.80% | 78.68% | 75.52% | 67.78% | 52.47% | -1,833 bps | |
| Liquid Assets / Assets | 10.98% | 6.48% | 6.08% | 4.28% | 2.79% | 2.98% | 8.58% | 13.07% | +880 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |