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Community Bank of Shell Knob, The

Shell Knob, MO · Cert 21717

FDIC

Q1 2013

$12.4MAssets
$3.9MLoans
$12.2MDeposits
$156KEquity
Loan mix
60%RE $1.9M11%C&I $0.3M29%Consumer $0.9MQ1 2012Q1 2013
Deposit mix
79%Interest-bearing $9.6M21%Noninterest $2.6MQ1 2012Q1 2013

NIM

3.69%Q1 ’113.11%Q1 ’122.31%Q1 ’13-12%-27%

Non-interest income vs. expense

4.72%Q1 ’114.54%Q1 ’123.77%Q1 ’13+48%-47%

Executive Summary

  • Earnings: ROA of -1.05%, up 202 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 32.08% of deposits as of Q1 2013.

Financial Results

Return on Assets (quarter, annualized)

-1.05%+202 bps YoY

Net Interest Margin (quarter, annualized)

2.03%-76 bps YoY

Efficiency Ratio (quarter, annualized)

140.26%-16,212 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-3.07%-1.21%-1.01%-1.45%-1.05%+202 bps
Return on Equity-101.64%-51.00%-47.84%-79.04%-72.30%+2,934 bps
Net Interest Margin2.79%2.52%2.68%1.71%2.03%-76 bps
Efficiency Ratio302%126.60%136.25%168.33%140.26%-16,212 bps
Non-Interest Burden5.83%3.37%3.69%3.16%3.11%-272 bps
Growth
Asset Growth (YoY)6.50%7.44%6.94%5.71%7.25%+75 bps
Loan Growth (YoY)-13.85%-20.42%-19.68%-21.10%-13.07%+78 bps
Deposit Growth (YoY)9.42%10.43%9.49%7.84%8.65%-77 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.87%3.14%3.54%3.57%3.55%+69 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 Capital5.88%5.35%5.21%5.02%4.47%-141 bps
Equity / Assets2.53%2.21%2.02%1.66%1.26%-127 bps
Liquidity & Funding
Loans / Deposits40.09%38.84%35.45%35.13%32.08%-802 bps
Liquid Assets / Assets50.28%35.08%37.99%37.45%43.50%-678 bps
CRE / Total Capitaln/an/an/an/an/an/an/a