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Capaha Bank SB

Tamms, IL · Cert 17524

FDIC · 6 branches

Q1 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: Q1 2017, the quarter ended March 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

Capaha Bank SB

Tamms, IL · Cert 17524

FDIC · 6 branches

Q1 2017

$203.2MAssets
$158.3MLoans
$181.7MDeposits
$20.2MEquity
Loan mix
91%RE $109.8M7%C&I $8.8M2%Consumer $2.5MQ1 2016Q1 2017
Deposit mix
73%Interest-bearing $132.4M27%Noninterest $49.2MQ1 2016Q1 2017

NIM

3.76%Q1 ’153.92%Q1 ’163.78%Q1 ’17+4%-6%

Non-interest income vs. expense

3.30%Q1 ’153.32%Q1 ’163.30%Q1 ’17+14%-4%

Market Position · Cape Girardeau, MO-IL · 2016 SOD (annual) · 7.7% share · #6 of 17 inst. · $0.2B of $2.0B

6.3% Cape Girardeau
64.7% Alexander
3.8% Union

Executive Summary

  • Earnings: ROA of 0.57%, down 2 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 1.81% of loans (+181 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 10.12%, up 7 bps from a year ago.
  • Funding: loans stand at 87.16% of deposits as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.57%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-20 bps YoY

Efficiency Ratio (YTD, annualized)

76.92%+199 bps YoY

Tier 1 Leverage Ratio

10.12%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.60%0.64%0.71%0.48%0.57%-2 bps
Return on Equity5.96%6.34%6.93%4.74%5.73%-24 bps
Net Interest Margin3.52%3.50%3.63%3.53%3.31%-20 bps
Efficiency Ratio74.93%74.37%73.43%73.15%76.92%+199 bps
Non-Interest Burden2.43%2.38%2.40%2.31%2.32%-11 bps
Growth
Asset Growth (YoY)4.72%3.90%0.98%1.54%0.62%-410 bps
Loan Growth (YoY)7.83%3.25%3.54%1.68%0.62%-722 bps
Deposit Growth (YoY)5.09%-0.36%-3.19%1.56%0.57%-452 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%1.81%+181 bps
Net Charge-Offs / Loans0.01%0.00%-0.03%-0.02%0.28%+27 bps
Allowance / Loans1.21%1.28%1.27%1.78%1.76%+55 bps
Allowance Coverage of NPLsn/an/an/an/a1.0xn/an/a
Capital
Tier 1 Leverage Ratio10.06%10.11%10.62%10.19%10.12%+7 bps
Total Risk-Based Capital11.56%11.88%11.74%11.67%11.66%+10 bps
Equity / Assets9.91%10.45%10.54%10.09%9.93%+3 bps
Liquidity & Funding
Loans / Deposits87.12%93.88%96.01%90.17%87.16%+4 bps
Liquid Assets / Assets4.27%2.21%1.56%3.54%6.73%+246 bps
CRE / Total Capitaln/an/an/an/an/an/an/a