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Rockwood Bank

Eureka, MO · Cert 32745

FDIC · 4 branches

Q1 2021

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: Q1 2021, the quarter ended March 31, 2021, 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

Rockwood Bank

Eureka, MO · Cert 32745

FDIC · 4 branches

Q1 2021

$290.2MAssets
$174.8MLoans
$248.7MDeposits
$41.0MEquity
Loan mix
87%RE $116.7M11%C&I $15.2M2%Consumer $2.1MQ1 2020Q1 2021
Deposit mix
63%Interest-bearing $155.6M37%Noninterest $93.2MQ1 2020Q1 2021

NIM

4.64%Q1 ’194.39%Q1 ’203.32%Q1 ’21-8%-17%

Non-interest income vs. expense

2.79%Q1 ’192.67%Q1 ’202.28%Q1 ’21-8%-31%

Market Position · St. Louis, MO-IL · 2020 SOD (annual) · 0.2% share · #56 of 119 inst. · $0.2B of $108.4B

0.4% St. Louis
1.7% Jefferson

Executive Summary

  • Earnings: ROA of 1.83%, down 8 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.09% of loans (-27 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.99%, down 469 bps from a year ago.
  • Funding: loans stand at 70.25% of deposits as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

1.83%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-69 bps YoY

Efficiency Ratio (YTD, annualized)

44.89%-1,139 bps YoY

Tier 1 Leverage Ratio

10.99%-469 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets1.91%1.79%1.85%0.47%1.83%-8 bps
Return on Equity12.34%11.76%13.94%3.49%12.97%+63 bps
Net Interest Margin4.03%3.80%3.61%0.92%3.33%-69 bps
Efficiency Ratio56.28%54.26%53.55%48.12%44.89%-1,139 bps
Non-Interest Burden1.95%1.73%1.53%0.41%1.35%-60 bps
Growth
Asset Growth (YoY)2.48%11.89%8.15%16.31%18.41%+1,593 bps
Loan Growth (YoY)-5.08%1.00%-0.33%-2.34%-7.55%-247 bps
Deposit Growth (YoY)1.41%12.59%17.14%21.37%23.57%+2,216 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.08%0.08%0.09%0.09%-27 bps
Net Charge-Offs / Loans-0.08%-0.04%-0.03%0.01%-0.02%+6 bps
Allowance / Loans0.80%0.77%0.65%0.02%0.02%-77 bps
Allowance Coverage of NPLs2.2x9.5x7.9x0.2x0.3x-1.9x
Capital
Tier 1 Leverage Ratio15.68%15.10%8.08%10.45%10.99%-469 bps
Total Risk-Based Capital15.68%15.10%8.08%10.45%10.99%-469 bps
Equity / Assets15.50%14.67%8.02%14.03%14.13%-137 bps
Liquidity & Funding
Loans / Deposits93.90%88.29%79.16%75.48%70.25%-2,365 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%1.61%+161 bps
CRE / Total Capitaln/an/an/an/an/an/an/a