PackageTrendsPeer
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Boulevard Bank

Neosho, MO · Cert 30866

FDIC · 1 branch

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Boulevard Bank

Neosho, MO · Cert 30866

FDIC · 1 branch

Q4 2015

$19.8MAssets
n/aLoans
n/aDeposits
$19.1MEquity
Loan mix
62%RE $37.4M35%C&I $20.8M3%Consumer $1.9MQ4 2014Q4 2015
Deposit mix
3%Interest-bearing $097%Noninterest $0Q4 2014Q4 2015

NIM

3.36%Q4 ’132.49%Q4 ’1431.36%Q4 ’15-25%+1129%

Non-interest income vs. expense

2.73%Q4 ’131.26%Q4 ’1462.21%Q4 ’15-56%+12919%

Market Position · St. Louis, MO-IL · 2015 SOD (annual) · 0.3% share · #41 of 135 inst. · $0.3B of $89.9B

Executive Summary

  • Earnings: ROA of -8.57%, down 989 bps year over year; NIM at 27.32%.
  • Capital: tier 1 leverage ratio of 57.32%.

Financial Results

Return on Assets (YTD, annualized)

-8.57%-989 bps YoY

Net Interest Margin (YTD, annualized)

27.32%+2,509 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

57.32%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets1.32%-12.45%-10.14%-9.31%-8.57%-989 bps
Return on Equity12.98%-147.27%-114.76%-88.37%-74.27%-8,725 bps
Net Interest Margin2.22%2.38%3.29%5.68%27.32%+2,509 bps
Efficiency Ratio49.04%n/an/an/an/an/a
Non-Interest Burden0.95%15.31%15.84%26.10%123.35%+12,240 bps
Growth
Asset Growth (YoY)89.23%26.03%-36.41%-91.77%-97.21%-18,644 bps
Loan Growth (YoY)68.45%46.44%-77.31%-88.40%-100.00%-16,845 bps
Deposit Growth (YoY)99.74%31.97%-36.82%-99.23%-100.00%-19,974 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loans0.14%0.13%0.34%0.40%2.60%+247 bps
Allowance / Loans0.69%0.00%0.00%0.00%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a6.16%7.21%16.11%57.32%n/a
Total Risk-Based Capital15.88%13.75%65.63%185.35%3873%+385,714 bps
Equity / Assets9.09%7.67%10.25%58.89%96.27%+8,718 bps
Liquidity & Funding
Loans / Deposits50.02%60.66%19.87%716%n/an/a
Liquid Assets / Assets16.47%28.81%71.91%36.13%92.85%+7,638 bps
CRE / Total Capitaln/an/an/an/an/an/an/a