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Mission Bank, The

Mission, KS · Cert 23173

FDIC · 7 branches

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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

Mission Bank, The

Mission, KS · Cert 23173

FDIC · 7 branches

Q4 2016

$504.0MAssets
$277.7MLoans
$379.9MDeposits
$96.0MEquity
Loan mix
68%RE $88.4M30%C&I $39.0M2%Consumer $2.7MQ4 2015Q4 2016
Deposit mix
69%Interest-bearing $260.4M31%Noninterest $119.5MQ4 2015Q4 2016

NIM

3.82%Q4 ’143.70%Q4 ’153.57%Q4 ’16+0%-10%

Non-interest income vs. expense

1.74%Q4 ’141.87%Q4 ’151.71%Q4 ’16-6%-10%

Market Position · Kansas City, MO-KS · 2016 SOD (annual) · 0.7% share · #27 of 135 inst. · $0.4B of $52.7B

Executive Summary

  • Earnings: ROA of 0.95%, down 12 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 16.89%, up 65 bps from a year ago.
  • Funding: loans stand at 73.10% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.95%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-30 bps YoY

Efficiency Ratio (YTD, annualized)

57.36%+22 bps YoY

Tier 1 Leverage Ratio

16.89%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets1.07%0.88%0.97%1.01%0.95%-12 bps
Return on Equity6.13%4.99%5.52%5.72%5.28%-85 bps
Net Interest Margin3.12%2.98%3.08%3.06%2.82%-30 bps
Efficiency Ratio57.15%60.61%56.75%55.17%57.36%+22 bps
Non-Interest Burden1.68%1.75%1.72%1.65%1.51%-17 bps
Growth
Asset Growth (YoY)0.19%2.84%2.92%0.96%-6.06%-626 bps
Loan Growth (YoY)2.39%5.89%6.73%10.75%5.44%+305 bps
Deposit Growth (YoY)1.83%6.01%4.10%-0.46%3.40%+157 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.16%0.01%-0.01%0.01%+3 bps
Allowance / Loans2.00%2.05%1.96%1.88%1.89%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.24%16.70%16.38%16.50%16.89%+65 bps
Total Risk-Based Capital23.61%23.61%24.12%23.60%23.73%+12 bps
Equity / Assets17.50%17.65%17.83%17.69%19.04%+154 bps
Liquidity & Funding
Loans / Deposits71.69%69.40%72.14%75.53%73.10%+141 bps
Liquid Assets / Assets7.06%10.42%11.75%13.26%7.25%+19 bps
CRE / Total Capitaln/an/an/an/an/an/an/a