Carrollton, MO · Cert 31713
FDIC · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Carrollton, MO · Cert 31713
FDIC · 1 branch
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.34% | 0.38% | 0.60% | 0.45% | 0.37% | -0.82% | -0.25% | -85 bps | |
| Return on Equity | 3.06% | 2.20% | 2.30% | 3.61% | 2.72% | 2.18% | -4.77% | -1.43% | -504 bps | |
| Net Interest Margin | 1.70% | 2.00% | 1.88% | 2.22% | 2.03% | 2.09% | 1.71% | 1.65% | -57 bps | |
| Efficiency Ratio | 67.89% | 69.80% | 69.47% | 63.80% | 72.09% | 74.67% | 73.26% | 78.61% | +1,481 bps | |
| Non-Interest Burden | 1.14% | 1.39% | 1.31% | 1.43% | 1.47% | 1.56% | 1.24% | 1.29% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.82% | -8.73% | -8.00% | -6.95% | -5.31% | -2.14% | -4.43% | -4.20% | +275 bps | |
| Loan Growth (YoY) | -3.93% | -5.65% | -1.58% | -8.39% | -10.37% | -13.38% | -10.50% | -8.33% | +6 bps | |
| Deposit Growth (YoY) | -8.55% | -10.60% | -9.80% | -8.69% | -6.68% | -3.03% | -5.47% | -4.99% | +370 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.45% | 2.50% | +250 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.45% | 0.31% | 0.25% | 0.00% | 0.00% | -45 bps | |
| Allowance / Loans | 1.93% | 2.06% | 2.15% | 2.09% | 2.10% | 2.18% | 2.83% | 2.81% | +72 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.2x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.52% | 17.15% | 16.44% | 16.86% | 17.07% | 18.42% | 17.00% | 16.15% | -71 bps | |
| Total Risk-Based Capital | 49.48% | 50.92% | 51.87% | 53.57% | 55.65% | 60.08% | 59.88% | 61.88% | +831 bps | |
| Equity / Assets | 15.84% | 16.35% | 16.56% | 16.96% | 17.06% | 17.08% | 17.40% | 17.64% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.90% | 55.48% | 55.44% | 53.54% | 51.77% | 49.55% | 52.49% | 51.66% | -188 bps | |
| Liquid Assets / Assets | 53.36% | 52.32% | 52.79% | 54.99% | 56.23% | 57.48% | 56.28% | 56.60% | +160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |