PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Carrollton, The

Carrollton, MO · Cert 4530

FDIC

Q3 2013

$47.4MAssets
$13.4MLoans
$42.1MDeposits
$4.8MEquity
Loan mix
71%RE $6.8M23%C&I $2.2M7%Consumer $0.7MQ3 2012Q3 2013
Deposit mix
83%Interest-bearing $35.0M17%Noninterest $7.1MQ3 2012Q3 2013

NIM

3.33%Q3 ’112.96%Q3 ’122.43%Q3 ’13-9%-16%

Non-interest income vs. expense

1.90%Q3 ’111.96%Q3 ’121.95%Q3 ’13+3%+0%

Executive Summary

  • Earnings: ROA of 0.44%, down 42 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 31.92% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.44%-42 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-41 bps YoY

Efficiency Ratio (YTD, annualized)

81.02%+1,199 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.86%0.78%0.68%0.61%0.44%-42 bps
Return on Equity7.87%7.29%6.96%6.26%4.53%-333 bps
Net Interest Margin2.57%2.30%2.05%2.02%2.15%-41 bps
Efficiency Ratio69.03%71.24%71.85%73.51%81.02%+1,199 bps
Non-Interest Burden1.69%1.57%1.40%1.42%1.69%+1 bps
Growth
Asset Growth (YoY)1.47%2.50%9.37%13.61%3.38%+191 bps
Loan Growth (YoY)-8.25%-1.88%1.08%-5.34%-5.15%+310 bps
Deposit Growth (YoY)1.89%3.24%12.06%21.16%6.59%+470 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.03%0.00%0.00%0.00%-3 bps
Allowance / Loans2.28%2.16%2.34%2.40%2.39%+11 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 Capital24.61%22.91%24.09%24.54%24.45%-16 bps
Equity / Assets11.31%9.70%9.74%9.55%10.02%-129 bps
Liquidity & Funding
Loans / Deposits35.87%32.76%30.05%30.75%31.92%-395 bps
Liquid Assets / Assets14.34%14.22%14.64%14.26%11.13%-321 bps
CRE / Total Capitaln/an/an/an/an/an/an/a