Central Federal Savings and Loan Association

Rolla, MO · Cert 30664

FDIC · 1 branch

Q1 2020

$69.9MAssets

$52.5MLoans

$47.3MDeposits

$21.2MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.34%, up 5 bps year over year; NIM at 3.19%.
Asset quality: problem loans at 0.15% of loans (-4 bps YoY), with net recoveries of 0.01%.

Return on Assets (YTD, annualized)

0.34%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.19%-26 bps YoY

Efficiency Ratio (YTD, annualized)

86.04%-546 bps YoY

Tier 1 Leverage Ratio

30.36%-4 bps YoY

Year to date, annualized, through each quarter.

Metric	Q1 2019	Q2 2019	Q3 2019	Q4 2019	Q1 2020	YoY Δ	Trend
Earnings
Return on Assets	0.29%	0.27%	0.25%	0.27%	0.34%	+5 bps
Return on Equity	0.96%	0.91%	0.83%	0.89%	1.13%	+17 bps
Net Interest Margin	3.45%	3.45%	3.43%	3.37%	3.19%	-26 bps
Efficiency Ratio	91.50%	90.35%	90.59%	89.56%	86.04%	-546 bps
Non-Interest Burden	3.15%	3.10%	3.09%	2.99%	2.70%	-45 bps
Growth
Asset Growth (YoY)	2.48%	2.01%	-1.14%	1.93%	0.68%	-180 bps
Loan Growth (YoY)	11.31%	1.63%	-2.99%	-4.64%	-10.16%	-2,147 bps
Deposit Growth (YoY)	2.88%	2.16%	-2.51%	2.05%	0.21%	-267 bps
Asset Quality
Nonperforming Loans / Loans	0.19%	0.19%	0.15%	0.15%	0.15%	-4 bps
Net Charge-Offs / Loans	0.03%	0.01%	0.00%	0.00%	-0.01%	-3 bps
Allowance / Loans	0.49%	0.51%	0.55%	0.56%	0.56%	+7 bps
Allowance Coverage of NPLs	2.5x	2.7x	3.6x	3.7x	3.7x	+1.2x
Capital
Tier 1 Leverage Ratio	30.40%	30.20%	30.25%	30.27%	30.36%	-4 bps
Total Risk-Based Capital	42.01%	41.76%	44.30%	44.86%	30.63%	-1,138 bps
Equity / Assets	29.98%	29.89%	30.34%	29.97%	30.40%	+43 bps
Liquidity & Funding
Loans / Deposits	123.85%	119.63%	114.14%	109.08%	111.03%	-1,282 bps
Liquid Assets / Assets	4.70%	6.57%	12.02%	13.54%	14.93%	+1,023 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a