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Bank of Bolivar

Bolivar, MO · Cert 34397

FDIC · 6 branches

Q2 2020

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: Q2 2020, the quarter ended June 30, 2020, 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

Bank of Bolivar

Bolivar, MO · Cert 34397

FDIC · 6 branches

Q2 2020

$353.0MAssets
$263.7MLoans
$310.5MDeposits
$40.0MEquity
Loan mix
83%RE $189.4M13%C&I $30.8M4%Consumer $9.2MQ2 2019Q2 2020
Deposit mix
81%Interest-bearing $250.2M19%Noninterest $60.3MQ2 2019Q2 2020

NIM

4.13%Q2 ’184.50%Q2 ’193.38%Q2 ’200%-12%

Non-interest income vs. expense

2.92%Q2 ’183.00%Q2 ’191.89%Q2 ’20-2%-37%

Market Position · Springfield, MO · 2020 SOD (annual) · 2.3% share · #16 of 36 inst. · $0.3B of $13.3B

34.7% Polk
0.8% Greene
1.0% Webster

Executive Summary

  • Earnings: ROA of 0.95%, up 16 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.38% of loans (+1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 7.61%, down 91 bps from a year ago.
  • Funding: loans stand at 84.92% of deposits as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

0.95%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-40 bps YoY

Efficiency Ratio (YTD, annualized)

57.06%-1,885 bps YoY

Tier 1 Leverage Ratio

7.61%-91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.79%0.85%0.89%0.43%0.95%+16 bps
Return on Equity9.49%10.03%10.44%4.15%8.90%-59 bps
Net Interest Margin3.44%3.49%3.49%1.66%3.04%-40 bps
Efficiency Ratio75.91%74.15%73.24%59.58%57.06%-1,885 bps
Non-Interest Burden2.49%2.45%2.42%0.89%1.57%-92 bps
Growth
Asset Growth (YoY)5.87%6.27%6.12%5.37%14.01%+814 bps
Loan Growth (YoY)4.52%4.24%8.73%5.55%8.76%+424 bps
Deposit Growth (YoY)13.05%11.89%10.86%0.77%10.01%-303 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.38%0.12%0.15%0.38%+1 bps
Net Charge-Offs / Loans0.01%0.01%0.04%0.00%0.01%0 bps
Allowance / Loans1.12%1.14%1.06%0.03%0.12%-100 bps
Allowance Coverage of NPLs3.0x3.0x8.7x0.2x0.3x-2.7x
Capital
Tier 1 Leverage Ratio8.52%8.68%8.67%7.95%7.61%-91 bps
Total Risk-Based Capital12.22%12.54%12.16%9.88%10.82%-141 bps
Equity / Assets8.33%8.68%8.70%12.00%11.32%+299 bps
Liquidity & Funding
Loans / Deposits85.90%88.41%91.67%90.72%84.92%-97 bps
Liquid Assets / Assets4.18%3.77%2.47%2.71%0.10%-408 bps
CRE / Total Capitaln/an/an/an/an/an/an/a