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Community National Bank

Monett, MO · Cert 57395

FDIC · 2 branches

Q1 2020

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 2020, the quarter ended March 31, 2020, 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

Community National Bank

Monett, MO · Cert 57395

FDIC · 2 branches

Q1 2020

$142.0MAssets
$82.6MLoans
$128.8MDeposits
$13.0MEquity
Loan mix
83%RE $52.6M10%C&I $6.6M7%Consumer $4.4MQ1 2019Q1 2020
Deposit mix
72%Interest-bearing $93.2M28%Noninterest $35.6MQ1 2019Q1 2020

NIM

3.79%Q1 ’184.10%Q1 ’193.63%Q1 ’20+5%-15%

Non-interest income vs. expense

2.77%Q1 ’182.78%Q1 ’192.27%Q1 ’20+2%-20%

Executive Summary

  • Earnings: ROA of 1.46%, down 34 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.26% of loans (+20 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 8.79%, down 45 bps from a year ago.
  • Funding: loans stand at 64.11% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

1.46%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-57 bps YoY

Efficiency Ratio (YTD, annualized)

58.58%-214 bps YoY

Tier 1 Leverage Ratio

8.79%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets1.80%1.87%1.86%1.24%1.46%-34 bps
Return on Equity19.28%20.18%19.91%13.69%17.01%-227 bps
Net Interest Margin3.66%3.67%3.46%3.40%3.10%-57 bps
Efficiency Ratio60.72%59.00%58.84%71.19%58.58%-214 bps
Non-Interest Burden1.85%1.77%1.66%2.16%1.48%-37 bps
Growth
Asset Growth (YoY)6.98%15.50%16.65%27.72%14.04%+707 bps
Loan Growth (YoY)2.46%7.05%-1.75%-3.35%-0.73%-319 bps
Deposit Growth (YoY)6.70%16.21%17.43%29.43%14.51%+781 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.08%0.07%0.09%0.26%+20 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.01%0.29%+29 bps
Allowance / Loans1.15%1.14%1.18%1.22%1.12%-3 bps
Allowance Coverage of NPLs20.0x14.7x17.1x14.3x4.3x-15.6x
Capital
Tier 1 Leverage Ratio9.24%9.48%9.30%8.77%8.79%-45 bps
Total Risk-Based Capital14.55%15.38%16.45%14.31%16.15%+160 bps
Equity / Assets9.45%9.13%9.65%8.06%9.17%-28 bps
Liquidity & Funding
Loans / Deposits73.95%67.70%66.16%55.25%64.11%-984 bps
Liquid Assets / Assets20.13%28.22%30.22%29.52%33.06%+1,293 bps
CRE / Total Capitaln/an/an/an/an/an/an/a