Monett, MO · Cert 57395
FDIC · 2 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Monett, MO · Cert 57395
FDIC · 2 branches
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.69% | 1.71% | 1.80% | 1.87% | 1.86% | 1.24% | 1.46% | -34 bps | |
| Return on Equity | 17.34% | 17.60% | 18.00% | 19.28% | 20.18% | 19.91% | 13.69% | 17.01% | -227 bps | |
| Net Interest Margin | 3.48% | 3.52% | 3.57% | 3.66% | 3.67% | 3.46% | 3.40% | 3.10% | -57 bps | |
| Efficiency Ratio | 62.54% | 61.56% | 61.44% | 60.72% | 59.00% | 58.84% | 71.19% | 58.58% | -214 bps | |
| Non-Interest Burden | 1.80% | 1.78% | 1.80% | 1.85% | 1.77% | 1.66% | 2.16% | 1.48% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.64% | 9.15% | 5.96% | 6.98% | 15.50% | 16.65% | 27.72% | 14.04% | +707 bps | |
| Loan Growth (YoY) | 10.40% | 16.04% | 2.19% | 2.46% | 7.05% | -1.75% | -3.35% | -0.73% | -319 bps | |
| Deposit Growth (YoY) | 8.89% | 9.41% | 5.81% | 6.70% | 16.21% | 17.43% | 29.43% | 14.51% | +781 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.03% | 0.03% | 0.06% | 0.08% | 0.07% | 0.09% | 0.26% | +20 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.02% | 0.00% | 0.01% | 0.01% | 0.01% | 0.29% | +29 bps | |
| Allowance / Loans | 1.19% | 1.15% | 1.18% | 1.15% | 1.14% | 1.18% | 1.22% | 1.12% | -3 bps | |
| Allowance Coverage of NPLs | 4.1x | 39.6x | 38.3x | 20.0x | 14.7x | 17.1x | 14.3x | 4.3x | -15.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.66% | 10.00% | 9.16% | 9.24% | 9.48% | 9.30% | 8.77% | 8.79% | -45 bps | |
| Total Risk-Based Capital | 15.03% | 15.03% | 14.23% | 14.55% | 15.38% | 16.45% | 14.31% | 16.15% | +160 bps | |
| Equity / Assets | 9.74% | 10.30% | 9.19% | 9.45% | 9.13% | 9.65% | 8.06% | 9.17% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.50% | 79.07% | 73.99% | 73.95% | 67.70% | 66.16% | 55.25% | 64.11% | -984 bps | |
| Liquid Assets / Assets | 20.74% | 16.90% | 20.11% | 20.13% | 28.22% | 30.22% | 29.52% | 33.06% | +1,293 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |