Charleston, MO · Cert 30526
FDIC · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Charleston, MO · Cert 30526
FDIC · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.59% | -0.59% | -0.55% | -0.45% | -0.54% | -0.61% | -0.81% | -27 bps | |
| Return on Equity | -2.05% | -2.16% | -2.16% | -2.00% | -1.63% | -1.86% | -2.11% | -2.77% | -77 bps | |
| Net Interest Margin | 2.65% | 2.36% | 2.41% | 2.46% | 2.52% | 2.58% | 2.52% | 2.60% | +14 bps | |
| Efficiency Ratio | 127.04% | 123.64% | 123.85% | 122.22% | 122.17% | 119.64% | 123.58% | 133.56% | +1,134 bps | |
| Non-Interest Burden | 3.34% | 2.93% | 2.99% | 3.00% | 3.08% | 3.09% | 3.11% | 3.41% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.68% | -3.79% | -3.25% | -2.89% | -8.06% | -6.90% | -7.37% | -11.05% | -816 bps | |
| Loan Growth (YoY) | -6.74% | -8.22% | -7.17% | -8.28% | -8.64% | -10.83% | -13.12% | -11.61% | -332 bps | |
| Deposit Growth (YoY) | -7.00% | -4.57% | -3.70% | -3.41% | -10.46% | -8.87% | -9.53% | -14.47% | -1,106 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.10% | 2.26% | 4.18% | 3.09% | 2.43% | 3.93% | 3.38% | -80 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.34% | 1.35% | 1.37% | 1.42% | 1.47% | 1.51% | 1.57% | 1.60% | +19 bps | |
| Allowance Coverage of NPLs | n/a | 1.2x | 0.6x | 0.3x | 0.5x | 0.6x | 0.4x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 27.13% | 26.78% | 26.49% | 27.41% | 27.73% | 28.13% | 28.64% | 29.15% | +175 bps | |
| Total Risk-Based Capital | 38.27% | 44.66% | 45.82% | 49.00% | 49.95% | 51.36% | 52.86% | 55.34% | +634 bps | |
| Equity / Assets | 27.14% | 27.28% | 27.34% | 27.97% | 29.02% | 28.82% | 29.03% | 30.72% | +275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.75% | 43.94% | 43.84% | 43.75% | 44.63% | 42.99% | 42.10% | 45.21% | +146 bps | |
| Liquid Assets / Assets | 60.97% | 61.86% | 61.96% | 61.55% | 60.09% | 60.31% | 59.83% | 60.34% | -121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |