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Quarry City Savings and Loan Association

Warrensburg, MO · Cert 28776

FDIC · 1 branch

Q2 2022

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 2022, the quarter ended June 30, 2022, 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

Quarry City Savings and Loan Association

Warrensburg, MO · Cert 28776

FDIC · 1 branch

Q2 2022

$74.7MAssets
$48.6MLoans
$64.6MDeposits
$9.4MEquity
Loan mix
95%RE $38.1M3%C&I $1.2M2%Consumer $0.6MQ2 2021Q2 2022
Deposit mix
88%Interest-bearing $57.2M12%Noninterest $7.5MQ2 2021Q2 2022

NIM

3.83%Q2 ’202.98%Q2 ’212.83%Q2 ’22-21%+4%

Non-interest income vs. expense

3.64%Q2 ’203.64%Q2 ’214.06%Q2 ’22-3%+46%

Executive Summary

  • Earnings: ROA of -0.40%, down 66 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.00% of loans (-171 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.65%, down 83 bps from a year ago.
  • Funding: loans stand at 75.23% of deposits as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.40%-66 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+10 bps YoY

Efficiency Ratio (YTD, annualized)

114.61%+2,274 bps YoY

Tier 1 Leverage Ratio

12.65%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.26%0.27%0.17%-0.39%-0.40%-66 bps
Return on Equity1.93%2.00%1.28%-2.98%-3.07%-500 bps
Net Interest Margin2.35%2.54%2.52%2.33%2.45%+10 bps
Efficiency Ratio91.87%91.84%95.12%114.31%114.61%+2,274 bps
Non-Interest Burden2.03%2.21%2.33%2.82%2.97%+94 bps
Growth
Asset Growth (YoY)16.03%11.53%6.06%6.77%3.14%-1,288 bps
Loan Growth (YoY)-6.73%-1.77%-11.49%0.91%9.14%+1,587 bps
Deposit Growth (YoY)18.22%13.38%6.99%8.62%3.87%-1,435 bps
Asset Quality
Nonperforming Loans / Loans1.71%0.10%0.00%0.00%0.00%-171 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.06%0.97%1.03%1.01%0.97%-9 bps
Allowance Coverage of NPLs0.6x9.4xn/an/an/an/a
Capital
Tier 1 Leverage Ratio13.48%13.31%13.29%13.07%12.65%-83 bps
Total Risk-Based Capital22.32%22.14%23.55%23.49%22.12%-20 bps
Equity / Assets13.18%13.18%13.43%12.78%12.62%-56 bps
Liquidity & Funding
Loans / Deposits71.59%77.69%74.62%73.05%75.23%+363 bps
Liquid Assets / Assets32.66%27.33%30.70%31.72%29.82%-284 bps
CRE / Total Capitaln/an/an/an/an/an/an/a