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Bank of Belton

Belton, MO · Cert 1623

FDIC · 1 branch

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Bank of Belton

Belton, MO · Cert 1623

FDIC · 1 branch

Q2 2014

$45.8MAssets
$18.5MLoans
$43.8MDeposits
$1.9MEquity
Loan mix
51%RE $9.1M45%C&I $8.0M4%Consumer $0.7MQ2 2013Q2 2014
Deposit mix
79%Interest-bearing $34.5M21%Noninterest $9.4MQ2 2013Q2 2014

NIM

2.91%Q2 ’122.35%Q2 ’132.44%Q2 ’14-18%+9%

Non-interest income vs. expense

6.55%Q2 ’124.29%Q2 ’133.98%Q2 ’14-11%+3%

Market Position · Kansas City, MO-KS · 2014 SOD (annual) · 0.1% share · #99 of 136 inst. · $0.0B of $46.5B

Executive Summary

  • Earnings: ROA of -1.14%, up 81 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Funding: loans stand at 42.30% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.14%+81 bps YoY

Net Interest Margin (YTD, annualized)

2.30%+19 bps YoY

Efficiency Ratio (YTD, annualized)

141.53%-22 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-1.95%-1.68%-1.95%-1.16%-1.14%+81 bps
Return on Equity-32.36%-28.85%-34.86%-25.16%-25.88%+648 bps
Net Interest Margin2.11%2.13%2.13%2.26%2.30%+19 bps
Efficiency Ratio141.75%141.88%160.00%140.89%141.53%-22 bps
Non-Interest Burden3.37%3.36%3.72%3.41%3.46%+9 bps
Growth
Asset Growth (YoY)0.34%0.48%-5.12%-3.83%0.08%-26 bps
Loan Growth (YoY)-12.25%-7.31%-7.22%-7.81%-3.75%+850 bps
Deposit Growth (YoY)0.77%2.18%-3.54%-2.18%1.68%+91 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.17%1.47%1.13%0.00%-0.08%-225 bps
Allowance / Loans2.36%2.34%2.43%2.42%2.48%+12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.43%9.91%8.49%8.15%7.58%-286 bps
Equity / Assets5.56%5.25%4.61%4.58%4.07%-149 bps
Liquidity & Funding
Loans / Deposits44.68%44.36%43.16%45.54%42.30%-238 bps
Liquid Assets / Assets22.09%25.57%25.24%25.43%28.11%+602 bps
CRE / Total Capitaln/an/an/an/an/an/an/a