Fulton, MO · Cert 18124
FDIC · 4 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 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.
Fulton, MO · Cert 18124
FDIC · 4 branches
Q2 2017
Market Position · Jefferson City, MO · 2017 SOD (annual) · 0.9% share · #18 of 22 inst. · $0.0B of $4.5B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.71% | 0.09% | 0.39% | 0.50% | 0.57% | 0.39% | 0.52% | +13 bps | |
| Return on Equity | 5.11% | 5.98% | 0.78% | 3.26% | 4.16% | 4.77% | 2.80% | 3.22% | -5 bps | |
| Net Interest Margin | 4.35% | 4.34% | 3.95% | 3.86% | 3.94% | 3.89% | 1.43% | 2.80% | -106 bps | |
| Efficiency Ratio | 82.12% | 80.68% | 85.92% | 81.90% | 80.85% | 79.28% | 64.16% | 68.54% | -1,336 bps | |
| Non-Interest Burden | 3.25% | 3.16% | 3.20% | 2.89% | 2.86% | 2.73% | 0.77% | 1.58% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | -1.00% | 2.00% | 1.85% | 4.44% | 2.15% | 3.74% | -9.51% | -1,136 bps | |
| Loan Growth (YoY) | 0.92% | -0.70% | -4.86% | -7.56% | -8.19% | -13.08% | -15.58% | -23.52% | -1,595 bps | |
| Deposit Growth (YoY) | -3.49% | -1.61% | 2.12% | 1.50% | 4.26% | 1.97% | -0.17% | -19.56% | -2,106 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.34% | 0.20% | +20 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.16% | 2.73% | 1.25% | 0.62% | 0.49% | 0.17% | 0.24% | -101 bps | |
| Allowance / Loans | 1.54% | 1.43% | 1.01% | 1.15% | 1.42% | 1.54% | 1.83% | 0.01% | -114 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 5.5x | 0.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 12.18% | 12.03% | 11.78% | 12.10% | 12.38% | 15.96% | 12.64% | +86 bps | |
| Total Risk-Based Capital | 16.96% | 17.86% | 17.46% | 18.36% | 20.48% | 21.50% | 27.90% | 19.51% | +115 bps | |
| Equity / Assets | 12.17% | 12.03% | 11.81% | 11.95% | 12.16% | 12.29% | 15.29% | 21.44% | +949 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.01% | 90.95% | 86.25% | 84.05% | 81.90% | 77.52% | 72.94% | 79.91% | -414 bps | |
| Liquid Assets / Assets | 1.50% | 3.15% | 2.59% | 2.58% | 9.46% | 9.44% | 9.27% | 10.60% | +802 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |