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Bank of Kimberling City

Kimberling City, MO · Cert 21120

FDIC

Q2 2004

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: Q2 2004, the quarter ended June 30, 2004, 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

Bank of Kimberling City

Kimberling City, MO · Cert 21120

FDIC

Q2 2004

$125.6MAssets
$101.6MLoans
$103.6MDeposits
$13.0MEquity
Deposit mix
89%Interest-bearing $92.6M11%Noninterest $11.0MQ2 2003Q2 2004

NIM

6.55%Q2 ’025.84%Q2 ’035.63%Q2 ’04-4%+6%

Non-interest income vs. expense

2.46%Q2 ’022.57%Q2 ’032.51%Q2 ’04-1%-8%

Executive Summary

  • Earnings: ROA of 2.53%, up 109 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 98.14% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

2.53%+109 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+24 bps YoY

Efficiency Ratio (YTD, annualized)

48.86%-443 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets1.43%1.80%1.95%2.38%2.53%+109 bps
Return on Equity16.13%19.80%21.15%24.28%25.31%+918 bps
Net Interest Margin3.99%4.08%4.13%4.18%4.23%+24 bps
Efficiency Ratio53.29%52.06%52.13%51.04%48.86%-443 bps
Non-Interest Burden1.74%1.70%1.73%1.71%1.60%-14 bps
Growth
Asset Growth (YoY)1.43%2.13%-0.16%-2.32%-1.87%-330 bps
Loan Growth (YoY)-3.09%2.59%1.26%8.52%10.94%+1,404 bps
Deposit Growth (YoY)2.05%3.82%2.07%-1.63%-0.79%-284 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.12%0.08%0.08%0.03%0.01%-11 bps
Allowance / Loans1.24%1.21%1.23%1.17%1.19%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.94%16.27%16.10%15.59%16.21%+27 bps
Equity / Assets9.38%9.80%9.76%9.84%10.34%+96 bps
Liquidity & Funding
Loans / Deposits87.76%90.09%90.78%95.19%98.14%+1,038 bps
Liquid Assets / Assets0.38%0.11%0.15%0.04%0.06%-32 bps
CRE / Total Capitaln/an/an/an/an/an/an/a