Moberly, MO · Cert 8254
FDIC · 2 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Moberly, MO · Cert 8254
FDIC · 2 branches
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.44% | 1.54% | 1.60% | 1.62% | 1.40% | 1.51% | 1.29% | -32 bps | |
| Return on Equity | 4.77% | 8.54% | 8.83% | 8.93% | 8.97% | 7.42% | 8.21% | 7.17% | -177 bps | |
| Net Interest Margin | 3.02% | 3.18% | 3.33% | 3.58% | 3.35% | 3.40% | 3.49% | 3.55% | -3 bps | |
| Efficiency Ratio | 60.01% | 58.11% | 57.01% | 56.42% | 56.88% | 61.51% | 60.14% | 63.67% | +725 bps | |
| Non-Interest Burden | 1.51% | 1.56% | 1.53% | 1.61% | 1.53% | 1.73% | 1.70% | 1.86% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.38% | 9.83% | 13.75% | -2.25% | -1.99% | -5.72% | 1.35% | 5.64% | +789 bps | |
| Loan Growth (YoY) | 1.10% | -3.16% | -3.69% | -3.71% | -6.10% | -11.00% | -7.49% | -4.51% | -80 bps | |
| Deposit Growth (YoY) | 2.33% | 11.71% | 17.29% | -3.92% | -4.06% | -8.51% | 3.53% | 11.03% | +1,495 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.99% | 1.01% | 1.03% | 1.05% | 1.06% | 1.14% | 1.12% | 1.10% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.37% | 17.33% | 18.13% | 19.69% | 18.55% | 18.97% | 16.84% | 17.07% | -261 bps | |
| Total Risk-Based Capital | 24.62% | 23.84% | 25.14% | 25.76% | 25.94% | 26.62% | 23.17% | 22.90% | -286 bps | |
| Equity / Assets | 17.07% | 16.60% | 18.85% | 19.54% | 18.75% | 19.10% | 17.23% | 16.72% | -282 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.23% | 61.66% | 69.87% | 69.66% | 63.84% | 59.98% | 62.43% | 59.91% | -975 bps | |
| Liquid Assets / Assets | 14.91% | 2.38% | 4.11% | 20.17% | 20.68% | 21.75% | 22.91% | 33.28% | +1,311 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |