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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.10% | 0.18% | 0.68% | -6.13% | -631 bps | |
| Return on Equity | 1.14% | 0.63% | 1.13% | 4.17% | -35.28% | -3,642 bps | |
| Net Interest Margin | 2.47% | 2.64% | 2.62% | 2.74% | 2.70% | +24 bps | |
| Efficiency Ratio | 94.28% | 96.71% | 94.42% | 94.05% | 183.30% | +8,903 bps | |
| Non-Interest Burden | 2.30% | 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 / Loans | 2.30% | 2.34% | 2.11% | 1.99% | 2.26% | -4 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.39% | 0.21% | 0.29% | 0.16% | -14 bps | |
| Allowance / Loans | 5.21% | 5.10% | 4.16% | 2.03% | 1.50% | -371 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.2x | 2.0x | 1.0x | 0.7x | -1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.41% | 16.80% | 16.66% | 18.00% | 17.09% | +168 bps | |
| Total Risk-Based Capital | 50.38% | 50.95% | 45.43% | 44.10% | 54.49% | +411 bps | |
| Equity / Assets | 16.29% | 16.75% | 17.27% | 17.70% | 17.07% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 30.64% | 30.74% | 39.25% | 47.94% | 43.37% | +1,273 bps | |
| Liquid Assets / Assets | 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 |