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Mid America Bank & Trust Company

Dixon, MO · Cert 1624

FDIC · 3 branches

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Mid America Bank & Trust Company

Dixon, MO · Cert 1624

FDIC · 3 branches

Q4 2017

$179.3MAssets
$100.2MLoans
$133.4MDeposits
$44.1MEquity
Loan mix
73%RE $59.9M14%C&I $11.2M14%Consumer $11.6MQ4 2016Q4 2017
Deposit mix
65%Interest-bearing $86.9M35%Noninterest $46.5MQ4 2016Q4 2017

NIM

4.00%Q4 ’153.67%Q4 ’160.47%Q4 ’17-8%-86%

Non-interest income vs. expense

3.86%Q4 ’153.81%Q4 ’160.58%Q4 ’17-42%+91%

Executive Summary

  • Earnings: ROA of 0.30%, down 344 bps year over year; NIM at 0.45%.
  • Asset quality: problem loans at 0.66% of loans (+66 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 17.73%, down 177 bps from a year ago.
  • Funding: loans stand at 75.07% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.30%-344 bps YoY

Net Interest Margin (YTD, annualized)

0.45%-280 bps YoY

Efficiency Ratio (YTD, annualized)

46.66%+742 bps YoY

Tier 1 Leverage Ratio

17.73%-177 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets3.75%4.22%4.09%2.94%0.30%-344 bps
Return on Equity19.26%20.22%19.28%13.92%1.38%-1,788 bps
Net Interest Margin3.26%3.10%3.49%3.31%0.45%-280 bps
Efficiency Ratio39.24%40.31%39.91%54.74%46.66%+742 bps
Non-Interest Burden-2.69%-2.69%-2.80%-1.38%-0.24%+244 bps
Growth
Asset Growth (YoY)3.37%4.02%2.52%8.30%15.95%+1,258 bps
Loan Growth (YoY)8.17%7.92%9.88%8.77%-4.34%-1,251 bps
Deposit Growth (YoY)0.28%-0.03%-0.69%5.77%9.65%+937 bps
Asset Quality
Nonperforming Loans / Loans0.00%4.03%3.96%3.38%0.66%+66 bps
Net Charge-Offs / Loans0.09%0.35%0.24%0.68%0.13%+3 bps
Allowance / Loans1.06%1.01%1.15%1.00%0.00%-106 bps
Allowance Coverage of NPLsn/a0.3x0.3x0.3x0.0xn/a
Capital
Tier 1 Leverage Ratio19.50%20.20%21.14%20.49%17.73%-177 bps
Total Risk-Based Capital27.84%29.06%29.26%29.01%26.67%-117 bps
Equity / Assets20.51%21.28%21.84%21.01%24.61%+410 bps
Liquidity & Funding
Loans / Deposits86.04%86.53%87.29%84.39%75.07%-1,097 bps
Liquid Assets / Assets7.35%10.42%10.66%8.51%7.91%+56 bps
CRE / Total Capitaln/an/an/an/an/an/an/a