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Hometown Bank, National Association

Carthage, MO · Cert 34727

FDIC · 7 branches

Q1 2018

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 2018, the quarter ended March 31, 2018, 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

Hometown Bank, National Association

Carthage, MO · Cert 34727

FDIC · 7 branches

Q1 2018

$182.0MAssets
$150.4MLoans
$161.0MDeposits
$16.5MEquity
Loan mix
85%RE $103.3M10%C&I $12.6M4%Consumer $5.2MQ1 2017Q1 2018
Deposit mix
81%Interest-bearing $130.8M19%Noninterest $30.2MQ1 2017Q1 2018

NIM

3.67%Q1 ’163.57%Q1 ’173.93%Q1 ’18-4%+13%

Non-interest income vs. expense

4.96%Q1 ’164.00%Q1 ’174.04%Q1 ’18-7%+6%

Market Position · Joplin, MO · 2017 SOD (annual) · 5.3% share · #7 of 14 inst. · $0.1B of $2.8B

6.5% Jasper
2.7% Newton
2.1% McDonald

Executive Summary

  • Earnings: ROA of 0.20%, up 21 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.80% of loans (+155 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 9.37%, down 7 bps from a year ago.
  • Funding: loans stand at 93.41% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.20%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+41 bps YoY

Efficiency Ratio (YTD, annualized)

95.15%-491 bps YoY

Tier 1 Leverage Ratio

9.37%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.00%0.07%0.12%0.12%0.20%+21 bps
Return on Equity-0.02%0.77%1.24%1.28%2.23%+226 bps
Net Interest Margin3.12%3.30%3.26%3.34%3.53%+41 bps
Efficiency Ratio100.06%98.21%97.18%97.12%95.15%-491 bps
Non-Interest Burden3.12%3.22%3.15%3.22%3.32%+20 bps
Growth
Asset Growth (YoY)7.65%7.71%8.16%5.14%5.58%-207 bps
Loan Growth (YoY)12.73%12.54%13.41%8.58%5.37%-736 bps
Deposit Growth (YoY)11.72%9.27%12.52%5.25%8.28%-344 bps
Asset Quality
Nonperforming Loans / Loans0.24%1.88%1.80%1.82%1.80%+155 bps
Net Charge-Offs / Loans0.08%-0.12%-0.03%0.00%-0.05%-12 bps
Allowance / Loans1.61%1.65%1.57%1.54%1.56%-5 bps
Allowance Coverage of NPLs6.7x0.9x0.9x0.8x0.9x-5.8x
Capital
Tier 1 Leverage Ratio9.44%9.49%9.20%9.26%9.37%-7 bps
Total Risk-Based Capital12.86%12.65%12.39%12.25%12.09%-76 bps
Equity / Assets9.43%9.18%9.00%9.16%9.06%-37 bps
Liquidity & Funding
Loans / Deposits95.99%96.73%94.74%99.75%93.41%-258 bps
Liquid Assets / Assets1.20%2.64%3.22%0.98%2.79%+159 bps
CRE / Total Capitaln/an/an/an/an/an/an/a