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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.64% | 0.42% | -0.17% | -1.55% | -205 bps | |
| Return on Equity | 3.90% | 4.99% | 3.18% | -1.26% | -14.40% | -1,829 bps | |
| Net Interest Margin | 3.25% | 3.28% | 3.33% | 3.35% | 3.29% | +4 bps | |
| Efficiency Ratio | 84.66% | 83.39% | 87.33% | 116.77% | 154.28% | +6,962 bps | |
| Non-Interest Burden | 2.69% | 2.67% | 2.85% | 3.98% | 5.41% | +272 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 / Loans | 0.00% | 0.39% | 0.41% | 0.16% | 0.60% | +60 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.00% | 0.00% | 0.25% | -0.01% | -27 bps | |
| Allowance / Loans | 1.32% | 1.35% | 1.38% | 1.32% | 0.00% | -132 bps | |
| Allowance Coverage of NPLs | n/a | 3.5x | 3.4x | 8.2x | 0.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.01% | 13.10% | 13.14% | 13.01% | 7.80% | -521 bps | |
| Total Risk-Based Capital | 24.87% | 24.89% | 24.79% | 24.40% | 14.40% | -1,047 bps | |
| Equity / Assets | 12.68% | 13.04% | 13.18% | 13.18% | 8.60% | -409 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.83% | 69.61% | 70.34% | 72.70% | 58.42% | -1,041 bps | |
| Liquid Assets / Assets | 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 |