Bolivar, MO · Cert 34397
FDIC · 6 branches
Q2 2020
Market Position · Springfield, MO · 2020 SOD (annual) · 2.3% share · #16 of 36 inst. · $0.3B of $13.3B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.72% | 0.53% | 0.79% | 0.85% | 0.89% | 0.43% | 0.95% | +16 bps | |
| Return on Equity | 9.89% | 8.57% | 6.38% | 9.49% | 10.03% | 10.44% | 4.15% | 8.90% | -59 bps | |
| Net Interest Margin | 3.49% | 3.47% | 3.51% | 3.44% | 3.49% | 3.49% | 1.66% | 3.04% | -40 bps | |
| Efficiency Ratio | 75.82% | 78.45% | 82.75% | 75.91% | 74.15% | 73.24% | 59.58% | 57.06% | -1,885 bps | |
| Non-Interest Burden | 2.55% | 2.64% | 2.84% | 2.49% | 2.45% | 2.42% | 0.89% | 1.57% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.34% | 6.51% | 8.89% | 5.87% | 6.27% | 6.12% | 5.37% | 14.01% | +814 bps | |
| Loan Growth (YoY) | 11.30% | 7.80% | 6.83% | 4.52% | 4.24% | 8.73% | 5.55% | 8.76% | +424 bps | |
| Deposit Growth (YoY) | 5.88% | 7.49% | 12.16% | 13.05% | 11.89% | 10.86% | 0.77% | 10.01% | -303 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.73% | 0.58% | 0.37% | 0.38% | 0.12% | 0.15% | 0.38% | +1 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.01% | 0.01% | 0.04% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.07% | 1.10% | 1.11% | 1.12% | 1.14% | 1.06% | 0.03% | 0.12% | -100 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.9x | 3.0x | 3.0x | 8.7x | 0.2x | 0.3x | -2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.72% | 8.67% | 8.68% | 8.52% | 8.68% | 8.67% | 7.95% | 7.61% | -91 bps | |
| Total Risk-Based Capital | 12.34% | 12.26% | 12.13% | 12.22% | 12.54% | 12.16% | 9.88% | 10.82% | -141 bps | |
| Equity / Assets | 8.46% | 8.46% | 8.30% | 8.33% | 8.68% | 8.70% | 12.00% | 11.32% | +299 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.90% | 93.47% | 86.61% | 85.90% | 88.41% | 91.67% | 90.72% | 84.92% | -97 bps | |
| Liquid Assets / Assets | 1.10% | 0.31% | 0.87% | 4.18% | 3.77% | 2.47% | 2.71% | 0.10% | -408 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |