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Old Missouri National Bank

Springfield, MO · Cert 35213

FDIC · 2 branches

Q3 2014

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: Q3 2014, the quarter ended September 30, 2014, 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

Old Missouri National Bank

Springfield, MO · Cert 35213

FDIC · 2 branches

Q3 2014

$177.6MAssets
$160.3MLoans
$148.2MDeposits
$15.8MEquity
Loan mix
76%RE $93.7M20%C&I $25.1M4%Consumer $5.1MQ3 2013Q3 2014
Deposit mix
94%Interest-bearing $138.9M6%Noninterest $9.3MQ3 2013Q3 2014

NIM

5.14%Q3 ’124.93%Q3 ’134.69%Q3 ’14+1%-3%

Non-interest income vs. expense

2.41%Q3 ’122.47%Q3 ’132.62%Q3 ’14+2%+5%

Market Position · Springfield, MO · 2014 SOD (annual) · 1.9% share · #16 of 42 inst. · $0.2B of $8.3B

Executive Summary

  • Earnings: ROA of 0.89%, down 18 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
  • Funding: loans stand at 108.14% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.89%-18 bps YoY

Net Interest Margin (YTD, annualized)

4.11%-12 bps YoY

Efficiency Ratio (YTD, annualized)

59.58%+451 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets1.07%1.05%0.92%0.96%0.89%-18 bps
Return on Equity12.07%11.85%10.59%11.06%10.26%-182 bps
Net Interest Margin4.23%4.09%4.22%4.11%4.11%-12 bps
Efficiency Ratio55.07%55.80%58.27%56.75%59.58%+451 bps
Non-Interest Burden2.22%2.18%2.38%2.24%2.33%+11 bps
Growth
Asset Growth (YoY)13.80%12.88%13.95%16.25%11.68%-212 bps
Loan Growth (YoY)15.70%13.42%14.09%19.42%12.50%-320 bps
Deposit Growth (YoY)14.04%11.63%13.21%14.65%9.18%-486 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.15%0.00%0.63%0.34%+17 bps
Allowance / Loans1.24%1.32%1.34%1.09%1.29%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.08%12.06%11.89%11.31%11.91%-17 bps
Equity / Assets8.86%8.69%8.76%8.49%8.89%+3 bps
Liquidity & Funding
Loans / Deposits104.95%100.35%104.36%105.06%108.14%+319 bps
Liquid Assets / Assets0.18%0.17%0.09%0.11%0.09%-9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a