Dixon, MO · Cert 1624
FDIC · 3 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dixon, MO · Cert 1624
FDIC · 3 branches
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.58% | 3.57% | 3.67% | 3.75% | 4.22% | 4.09% | 2.94% | 0.30% | -344 bps | |
| Return on Equity | 19.23% | 18.94% | 19.15% | 19.26% | 20.22% | 19.28% | 13.92% | 1.38% | -1,788 bps | |
| Net Interest Margin | 3.42% | 3.29% | 3.27% | 3.26% | 3.10% | 3.49% | 3.31% | 0.45% | -280 bps | |
| Efficiency Ratio | 39.83% | 39.53% | 39.04% | 39.24% | 40.31% | 39.91% | 54.74% | 46.66% | +742 bps | |
| Non-Interest Burden | -2.37% | -2.45% | -2.57% | -2.69% | -2.69% | -2.80% | -1.38% | -0.24% | +244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | 5.71% | 3.73% | 3.37% | 4.02% | 2.52% | 8.30% | 15.95% | +1,258 bps | |
| Loan Growth (YoY) | 1.45% | 0.53% | 1.96% | 8.17% | 7.92% | 9.88% | 8.77% | -4.34% | -1,251 bps | |
| Deposit Growth (YoY) | 0.55% | 2.37% | 1.22% | 0.28% | -0.03% | -0.69% | 5.77% | 9.65% | +937 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 4.03% | 3.96% | 3.38% | 0.66% | +66 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.12% | 0.09% | 0.35% | 0.24% | 0.68% | 0.13% | +3 bps | |
| Allowance / Loans | 1.18% | 1.24% | 1.13% | 1.06% | 1.01% | 1.15% | 1.00% | 0.00% | -106 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.3x | 0.3x | 0.3x | 0.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.46% | 17.89% | 18.75% | 19.50% | 20.20% | 21.14% | 20.49% | 17.73% | -177 bps | |
| Total Risk-Based Capital | 26.23% | 27.06% | 27.86% | 27.84% | 29.06% | 29.26% | 29.01% | 26.67% | -117 bps | |
| Equity / Assets | 18.86% | 19.27% | 20.18% | 20.51% | 21.28% | 21.84% | 21.01% | 24.61% | +410 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.16% | 78.89% | 82.06% | 86.04% | 86.53% | 87.29% | 84.39% | 75.07% | -1,097 bps | |
| Liquid Assets / Assets | 5.70% | 7.35% | 7.40% | 7.35% | 10.42% | 10.66% | 8.51% | 7.91% | +56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |