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First State Bank of St. Robert

Saint Robert, MO · Cert 19191

FDIC · 3 branches

Q1 2015

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 2015, the quarter ended March 31, 2015, 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 State Bank of St. Robert

Saint Robert, MO · Cert 19191

FDIC · 3 branches

Q1 2015

$99.9MAssets
$53.7MLoans
$88.2MDeposits
$11.3MEquity
Loan mix
85%RE $40.7M7%C&I $3.1M9%Consumer $4.1MQ1 2014Q1 2015
Deposit mix
83%Interest-bearing $73.5M17%Noninterest $14.8MQ1 2014Q1 2015

NIM

4.27%Q1 ’133.99%Q1 ’143.85%Q1 ’15-4%-1%

Non-interest income vs. expense

3.20%Q1 ’133.24%Q1 ’143.22%Q1 ’15+3%-3%

Executive Summary

  • Earnings: ROA of 0.62%, up 6 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.39%.
  • Funding: loans stand at 60.90% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.62%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-3 bps YoY

Efficiency Ratio (YTD, annualized)

78.71%-111 bps YoY

Tier 1 Leverage Ratio

11.39%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.57%0.21%0.35%0.44%0.62%+6 bps
Return on Equity5.07%1.92%3.11%3.88%5.44%+37 bps
Net Interest Margin3.49%3.45%3.50%3.53%3.46%-3 bps
Efficiency Ratio79.81%92.52%87.05%84.42%78.71%-111 bps
Non-Interest Burden2.67%3.18%3.01%2.92%2.59%-8 bps
Growth
Asset Growth (YoY)-1.53%0.04%-1.37%2.36%3.88%+541 bps
Loan Growth (YoY)-7.95%-3.85%-0.61%6.17%8.25%+1,620 bps
Deposit Growth (YoY)-1.02%0.72%-1.06%1.85%3.59%+461 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.02%-0.01%-0.01%0 bps
Allowance / Loans1.82%1.79%1.81%1.75%1.82%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a11.39%n/an/a
Total Risk-Based Capital21.18%21.04%21.29%20.81%21.15%-3 bps
Equity / Assets11.12%11.21%11.45%11.63%11.29%+17 bps
Liquidity & Funding
Loans / Deposits58.28%60.95%62.66%64.81%60.90%+262 bps
Liquid Assets / Assets12.35%9.63%10.50%11.72%19.08%+673 bps
CRE / Total Capitaln/an/an/an/an/an/an/a