Marshfield, MO · Cert 34445
FDIC · 2 branches
Q4 2017
Market Position · Springfield, MO · 2017 SOD (annual) · 0.8% share · #24 of 38 inst. · $0.1B of $9.8B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.82% | 0.83% | 1.12% | 0.71% | 0.88% | 0.86% | 0.87% | -25 bps | |
| Return on Equity | 7.33% | 7.47% | 7.54% | 10.06% | 6.26% | 7.72% | 7.49% | 7.48% | -257 bps | |
| Net Interest Margin | 3.54% | 3.48% | 3.55% | 3.58% | 3.51% | 3.50% | 3.52% | 3.56% | -2 bps | |
| Efficiency Ratio | 80.79% | 80.28% | 80.15% | 77.82% | 81.36% | 79.67% | 79.41% | 78.06% | +24 bps | |
| Non-Interest Burden | 2.71% | 2.65% | 2.70% | 2.62% | 2.73% | 2.65% | 2.66% | 2.63% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.15% | 0.80% | -1.02% | -0.17% | -0.61% | -1.35% | -2.11% | -5.38% | -521 bps | |
| Loan Growth (YoY) | -3.24% | 1.11% | 3.96% | 0.88% | -0.24% | -0.83% | -1.88% | -0.60% | -149 bps | |
| Deposit Growth (YoY) | 2.29% | 3.66% | -0.53% | 1.64% | -1.07% | -0.47% | -1.20% | -3.07% | -471 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.36% | 0.10% | 0.01% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.09% | -0.01% | 0.05% | 0.03% | 0.08% | 0.07% | +8 bps | |
| Allowance / Loans | 1.35% | 1.34% | 1.39% | 1.09% | 1.08% | 0.94% | 0.89% | 0.90% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.0x | 9.1x | 155.3x | 24.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.58% | 10.62% | 10.95% | 11.59% | 11.24% | 11.40% | 11.67% | 11.98% | +39 bps | |
| Total Risk-Based Capital | 24.31% | 24.19% | 24.46% | 16.73% | 16.12% | 16.29% | 16.81% | 16.73% | 0 bps | |
| Equity / Assets | 10.67% | 10.82% | 11.07% | 11.55% | 11.11% | 11.40% | 11.76% | 12.40% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.79% | 94.82% | 96.36% | 95.89% | 94.57% | 94.48% | 95.69% | 98.33% | +244 bps | |
| Liquid Assets / Assets | 1.63% | 2.98% | 1.91% | 1.91% | 1.91% | 1.91% | 1.94% | 2.01% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |