Clinton, MO · Cert 16347
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.
Clinton, MO · Cert 16347
FDIC · 3 branches
Q4 2017
Market Position · Springfield, MO · 2017 SOD (annual) · 0.1% share · #38 of 38 inst. · $0.0B of $9.8B
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 | 1.10% | 0.75% | 0.58% | 0.56% | 0.64% | 0.53% | 0.30% | -0.18% | -74 bps | |
| Return on Equity | 8.14% | 5.58% | 4.35% | 4.25% | 4.99% | 4.08% | 2.29% | -1.45% | -570 bps | |
| Net Interest Margin | 3.13% | 3.06% | 3.13% | 3.18% | 3.28% | 3.29% | 3.31% | 3.26% | +8 bps | |
| Efficiency Ratio | 85.52% | 87.12% | 87.23% | 86.57% | 83.39% | 85.39% | 95.99% | 110.67% | +2,409 bps | |
| Non-Interest Burden | 2.62% | 2.62% | 2.68% | 2.70% | 2.67% | 2.75% | 3.16% | 3.65% | +95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.36% | 4.12% | 6.99% | 8.45% | -0.65% | -0.16% | -1.76% | 6.89% | -156 bps | |
| Loan Growth (YoY) | 15.65% | 13.88% | 19.93% | 20.55% | 13.95% | 9.56% | 4.72% | -0.17% | -2,072 bps | |
| Deposit Growth (YoY) | -0.32% | 2.81% | 6.13% | 5.31% | -0.45% | -0.07% | -2.18% | 17.63% | +1,232 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.39% | 0.41% | 0.16% | 0.60% | +60 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.07% | 0.00% | 0.00% | 0.08% | 0.06% | 0 bps | |
| Allowance / Loans | 1.52% | 1.44% | 1.38% | 1.32% | 1.35% | 1.38% | 1.32% | 0.00% | -132 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.5x | 3.4x | 8.2x | 0.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.46% | 12.86% | 12.83% | 13.01% | 13.10% | 13.14% | 13.01% | 7.80% | -521 bps | |
| Total Risk-Based Capital | 24.39% | 26.56% | 23.23% | 24.87% | 24.89% | 24.79% | 24.40% | 14.40% | -1,047 bps | |
| Equity / Assets | 13.19% | 13.20% | 13.11% | 12.68% | 13.04% | 13.18% | 13.18% | 8.60% | -409 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.81% | 64.15% | 67.91% | 68.83% | 69.61% | 70.34% | 72.70% | 58.42% | -1,041 bps | |
| Liquid Assets / Assets | 10.76% | 10.32% | 9.28% | 8.26% | 8.82% | 8.82% | 8.48% | 7.05% | -121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |