Camdenton, MO · Cert 4546
FDIC · 5 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Camdenton, MO · Cert 4546
FDIC · 5 branches
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.70% | 0.41% | 0.17% | 0.10% | 0.18% | 0.68% | -6.13% | -631 bps | |
| Return on Equity | 3.04% | 4.27% | 2.58% | 1.14% | 0.63% | 1.13% | 4.17% | -35.28% | -3,642 bps | |
| Net Interest Margin | 2.65% | 2.53% | 2.44% | 2.47% | 2.64% | 2.62% | 2.74% | 2.70% | +24 bps | |
| Efficiency Ratio | 92.83% | 99.58% | 103.31% | 94.28% | 96.71% | 94.42% | 94.05% | 183.30% | +8,903 bps | |
| Non-Interest Burden | 2.41% | 2.51% | 2.54% | 2.30% | 2.53% | 2.45% | 2.55% | 5.36% | +306 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.74% | 0.40% | 1.45% | -0.40% | -1.28% | -6.68% | -17.04% | -7.24% | -684 bps | |
| Loan Growth (YoY) | -8.97% | -4.50% | -1.71% | 5.60% | 5.18% | 29.24% | 53.49% | 28.95% | +2,335 bps | |
| Deposit Growth (YoY) | -1.92% | -0.12% | 2.22% | 0.48% | -0.80% | -6.82% | -20.85% | -8.90% | -938 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 2.30% | 2.34% | 2.11% | 1.99% | 2.26% | -4 bps | |
| Net Charge-Offs / Loans | -0.46% | -0.14% | -0.23% | 0.30% | 0.39% | 0.21% | 0.29% | 0.16% | -14 bps | |
| Allowance / Loans | 7.07% | 5.46% | 5.57% | 5.21% | 5.10% | 4.16% | 2.03% | 1.50% | -371 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.3x | 2.2x | 2.0x | 1.0x | 0.7x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.56% | 16.52% | 16.08% | 15.41% | 16.80% | 16.66% | 18.00% | 17.09% | +168 bps | |
| Total Risk-Based Capital | 51.51% | 54.05% | 52.01% | 50.38% | 50.95% | 45.43% | 44.10% | 54.49% | +411 bps | |
| Equity / Assets | 17.17% | 17.18% | 13.82% | 16.29% | 16.75% | 17.27% | 17.70% | 17.07% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.99% | 28.30% | 24.72% | 30.64% | 30.74% | 39.25% | 47.94% | 43.37% | +1,273 bps | |
| Liquid Assets / Assets | 11.92% | 20.45% | 20.52% | 7.95% | 9.03% | 6.71% | 20.16% | 58.37% | +5,042 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |