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Ralls County State Bank

New London, MO · Cert 16170

FDIC · 4 branches

Q2 2021

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: Q2 2021, the quarter ended June 30, 2021, 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

Ralls County State Bank

New London, MO · Cert 16170

FDIC · 4 branches

Q2 2021

$127.2MAssets
$85.4MLoans
$109.6MDeposits
$11.5MEquity
Loan mix
55%RE $41.9M27%C&I $20.7M18%Consumer $13.5MQ2 2020Q2 2021
Deposit mix
79%Interest-bearing $86.6M21%Noninterest $23.0MQ2 2020Q2 2021

NIM

4.48%Q2 ’194.23%Q2 ’203.81%Q2 ’21-4%+0%

Non-interest income vs. expense

3.62%Q2 ’193.51%Q2 ’203.78%Q2 ’21+3%+12%

Market Position · St. Louis, MO-IL · 2021 SOD (annual) · 0.0% share · #104 of 116 inst. · $0.0B of $121.5B

44.3% Ralls
0.3% St. Charles
2.9% Marion

Executive Summary

  • Earnings: ROA of -0.13%, down 29 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (-24 bps YoY), with net recoveries of 0.16%.
  • Capital: tier 1 leverage ratio of 6.72%, down 52 bps from a year ago.
  • Funding: loans stand at 77.97% of deposits as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.13%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.43%0 bps YoY

Efficiency Ratio (YTD, annualized)

103.54%+1,178 bps YoY

Tier 1 Leverage Ratio

6.72%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.17%0.20%0.31%0.88%-0.13%-29 bps
Return on Equity2.18%2.67%4.23%12.28%-1.67%-384 bps
Net Interest Margin3.42%3.39%3.36%3.58%3.43%0 bps
Efficiency Ratio91.76%89.68%88.19%76.37%103.54%+1,178 bps
Non-Interest Burden3.10%2.99%2.91%2.68%3.47%+37 bps
Growth
Asset Growth (YoY)30.69%27.21%21.06%16.70%7.16%-2,353 bps
Loan Growth (YoY)25.16%17.56%7.77%2.33%-5.25%-3,040 bps
Deposit Growth (YoY)29.24%30.97%23.57%18.40%6.28%-2,296 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.00%0.00%0.00%0.00%-24 bps
Net Charge-Offs / Loans0.08%0.41%0.28%0.00%-0.16%-23 bps
Allowance / Loans0.97%0.83%0.90%0.88%0.11%-86 bps
Allowance Coverage of NPLs4.1xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.24%7.21%7.08%7.14%6.72%-52 bps
Total Risk-Based Capital10.77%10.49%10.43%11.39%9.80%-97 bps
Equity / Assets7.22%7.27%6.97%7.30%9.07%+185 bps
Liquidity & Funding
Loans / Deposits87.45%85.72%77.10%80.32%77.97%-948 bps
Liquid Assets / Assets9.24%8.75%13.19%8.80%9.06%-17 bps
CRE / Total Capitaln/an/an/an/an/an/an/a