Mountain Grove, MO · Cert 30364
FDIC · 8 branches
Q3 2017
Market Position · Springfield, MO · 2017 SOD (annual) · 0.5% share · #28 of 38 inst. · $0.0B of $9.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 0.33% | 0.33% | 0.33% | 0.47% | 0.24% | 0.28% | 0.33% | 0 bps | |
| Return on Equity | 16.63% | 3.79% | 3.77% | 3.79% | 5.35% | 2.83% | 3.31% | 3.81% | +2 bps | |
| Net Interest Margin | 2.72% | 2.79% | 2.77% | 2.76% | 2.76% | 2.75% | 2.78% | 2.81% | +5 bps | |
| Efficiency Ratio | 87.98% | 85.06% | 84.86% | 84.78% | 87.92% | 85.43% | 83.34% | 82.46% | -232 bps | |
| Non-Interest Burden | 2.32% | 2.28% | 2.27% | 2.26% | 2.36% | 2.28% | 2.24% | 2.23% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.29% | 7.79% | 7.36% | 7.02% | 2.91% | 4.16% | 4.33% | 0.44% | -657 bps | |
| Loan Growth (YoY) | 7.31% | 9.58% | 9.37% | 8.46% | 9.73% | 8.51% | 7.24% | 5.96% | -251 bps | |
| Deposit Growth (YoY) | 4.71% | 4.72% | 5.73% | 6.58% | 2.86% | 4.98% | 5.43% | 2.19% | -439 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.22% | 0.57% | +57 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.04% | -0.01% | 0.02% | 0.00% | 0.02% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.35% | 1.25% | 1.25% | 1.26% | 1.23% | 1.20% | 1.22% | 1.27% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 8.7x | 5.6x | 2.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.22% | 8.17% | 8.05% | 8.14% | 8.34% | 8.35% | 8.36% | 8.30% | +16 bps | |
| Total Risk-Based Capital | 14.61% | 14.10% | 14.14% | 14.45% | 14.49% | 13.92% | 13.96% | 14.20% | -25 bps | |
| Equity / Assets | 8.38% | 8.82% | 8.91% | 8.80% | 8.58% | 8.54% | 8.53% | 8.65% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.03% | 75.51% | 75.17% | 73.06% | 75.78% | 78.05% | 76.46% | 75.75% | +269 bps | |
| Liquid Assets / Assets | 6.30% | 5.34% | 5.74% | 5.62% | 4.66% | 4.24% | 6.78% | 4.17% | -145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |