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Concord Bank

Saint Louis, MO · Cert 34119

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

Concord Bank

Saint Louis, MO · Cert 34119

FDIC · 1 branch

Q4 2015

$113.8MAssets
$97.9MLoans
$101.6MDeposits
$11.8MEquity
Loan mix
70%RE $61.1M29%C&I $25.3M1%Consumer $0.6MQ4 2014Q4 2015
Deposit mix
85%Interest-bearing $86.7M15%Noninterest $14.9MQ4 2014Q4 2015

NIM

4.31%Q4 ’134.27%Q4 ’143.97%Q4 ’15+2%-6%

Non-interest income vs. expense

2.07%Q4 ’132.72%Q4 ’142.64%Q4 ’15+38%-4%

Market Position · St. Louis, MO-IL · 2015 SOD (annual) · 0.1% share · #75 of 135 inst. · $0.1B of $89.9B

Executive Summary

  • Earnings: ROA of -0.38%, down 5 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.73%.
  • Capital: tier 1 leverage ratio of 9.18%.
  • Funding: loans stand at 96.39% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.38%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-19 bps YoY

Efficiency Ratio (YTD, annualized)

77.31%+212 bps YoY

Tier 1 Leverage Ratio

9.18%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.33%0.31%0.10%0.23%-0.38%-5 bps
Return on Equity-3.46%3.04%1.02%2.29%-3.72%-27 bps
Net Interest Margin3.41%3.15%3.17%3.16%3.22%-19 bps
Efficiency Ratio75.19%71.95%82.97%81.07%77.31%+212 bps
Non-Interest Burden2.51%2.18%2.57%2.49%2.42%-10 bps
Growth
Asset Growth (YoY)-12.40%-11.17%-8.72%-3.66%-5.21%+719 bps
Loan Growth (YoY)-7.04%-7.94%-7.25%-3.35%0.18%+723 bps
Deposit Growth (YoY)-13.36%-11.93%-9.15%-4.50%-5.48%+788 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.12%0.11%1.65%1.05%0.73%-139 bps
Allowance / Loans2.26%2.41%1.86%1.83%1.80%-46 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a9.35%9.39%9.59%9.18%n/a
Total Risk-Based Capital11.54%12.05%12.29%12.22%11.97%+43 bps
Equity / Assets10.23%10.09%10.15%10.54%10.39%+15 bps
Liquidity & Funding
Loans / Deposits90.94%87.89%84.87%89.83%96.39%+545 bps
Liquid Assets / Assets3.89%4.18%2.80%0.62%0.64%-324 bps
CRE / Total Capitaln/an/an/an/an/an/an/a