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First National Bank of Clinton

Clinton, MO · Cert 16347

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

First National Bank of Clinton

Clinton, MO · Cert 16347

FDIC · 3 branches

Q4 2017

$75.9MAssets
$40.4MLoans
$69.1MDeposits
$6.5MEquity
Loan mix
72%RE $25.2M16%C&I $5.5M13%Consumer $4.5MQ4 2016Q4 2017
Deposit mix
81%Interest-bearing $55.7M19%Noninterest $13.3MQ4 2016Q4 2017

NIM

3.49%Q4 ’153.42%Q4 ’163.49%Q4 ’17-3%+3%

Non-interest income vs. expense

3.39%Q4 ’153.08%Q4 ’164.04%Q4 ’17-8%+35%

Market Position · Springfield, MO · 2017 SOD (annual) · 0.1% share · #38 of 38 inst. · $0.0B of $9.8B

9.8% Henry
0.1% Greene

Executive Summary

  • Earnings: ROA of -0.18%, down 74 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.60% of loans (+60 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 7.80%, down 521 bps from a year ago.
  • Funding: loans stand at 58.42% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.18%-74 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+8 bps YoY

Efficiency Ratio (YTD, annualized)

110.67%+2,409 bps YoY

Tier 1 Leverage Ratio

7.80%-521 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.56%0.64%0.53%0.30%-0.18%-74 bps
Return on Equity4.25%4.99%4.08%2.29%-1.45%-570 bps
Net Interest Margin3.18%3.28%3.29%3.31%3.26%+8 bps
Efficiency Ratio86.57%83.39%85.39%95.99%110.67%+2,409 bps
Non-Interest Burden2.70%2.67%2.75%3.16%3.65%+95 bps
Growth
Asset Growth (YoY)8.45%-0.65%-0.16%-1.76%6.89%-156 bps
Loan Growth (YoY)20.55%13.95%9.56%4.72%-0.17%-2,072 bps
Deposit Growth (YoY)5.31%-0.45%-0.07%-2.18%17.63%+1,232 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.39%0.41%0.16%0.60%+60 bps
Net Charge-Offs / Loans0.07%0.00%0.00%0.08%0.06%0 bps
Allowance / Loans1.32%1.35%1.38%1.32%0.00%-132 bps
Allowance Coverage of NPLsn/a3.5x3.4x8.2x0.0xn/a
Capital
Tier 1 Leverage Ratio13.01%13.10%13.14%13.01%7.80%-521 bps
Total Risk-Based Capital24.87%24.89%24.79%24.40%14.40%-1,047 bps
Equity / Assets12.68%13.04%13.18%13.18%8.60%-409 bps
Liquidity & Funding
Loans / Deposits68.83%69.61%70.34%72.70%58.42%-1,041 bps
Liquid Assets / Assets8.26%8.82%8.82%8.48%7.05%-121 bps
CRE / Total Capitaln/an/an/an/an/an/an/a