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First National Bank

Camdenton, MO · Cert 4546

FDIC · 5 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

First National Bank

Camdenton, MO · Cert 4546

FDIC · 5 branches

Q1 2018

$190.0MAssets
$67.4MLoans
$155.3MDeposits
$32.4MEquity
Loan mix
90%RE $44.0M8%C&I $3.8M3%Consumer $1.3MQ1 2017Q1 2018
Deposit mix
72%Interest-bearing $111.4M28%Noninterest $43.9MQ1 2017Q1 2018

NIM

2.62%Q1 ’162.63%Q1 ’172.85%Q1 ’18+1%+10%

Non-interest income vs. expense

3.05%Q1 ’162.79%Q1 ’175.85%Q1 ’18+13%+133%

Executive Summary

  • Earnings: ROA of -6.13%, down 631 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 2.26% of loans (-4 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 17.09%, up 168 bps from a year ago.
  • Funding: loans stand at 43.37% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-6.13%-631 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+24 bps YoY

Efficiency Ratio (YTD, annualized)

183.30%+8,903 bps YoY

Tier 1 Leverage Ratio

17.09%+168 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.17%0.10%0.18%0.68%-6.13%-631 bps
Return on Equity1.14%0.63%1.13%4.17%-35.28%-3,642 bps
Net Interest Margin2.47%2.64%2.62%2.74%2.70%+24 bps
Efficiency Ratio94.28%96.71%94.42%94.05%183.30%+8,903 bps
Non-Interest Burden2.30%2.53%2.45%2.55%5.36%+306 bps
Growth
Asset Growth (YoY)-0.40%-1.28%-6.68%-17.04%-7.24%-684 bps
Loan Growth (YoY)5.60%5.18%29.24%53.49%28.95%+2,335 bps
Deposit Growth (YoY)0.48%-0.80%-6.82%-20.85%-8.90%-938 bps
Asset Quality
Nonperforming Loans / Loans2.30%2.34%2.11%1.99%2.26%-4 bps
Net Charge-Offs / Loans0.30%0.39%0.21%0.29%0.16%-14 bps
Allowance / Loans5.21%5.10%4.16%2.03%1.50%-371 bps
Allowance Coverage of NPLs2.3x2.2x2.0x1.0x0.7x-1.6x
Capital
Tier 1 Leverage Ratio15.41%16.80%16.66%18.00%17.09%+168 bps
Total Risk-Based Capital50.38%50.95%45.43%44.10%54.49%+411 bps
Equity / Assets16.29%16.75%17.27%17.70%17.07%+77 bps
Liquidity & Funding
Loans / Deposits30.64%30.74%39.25%47.94%43.37%+1,273 bps
Liquid Assets / Assets7.95%9.03%6.71%20.16%58.37%+5,042 bps
CRE / Total Capitaln/an/an/an/an/an/an/a