Moberly, MO · Cert 8254
FDIC · 2 branches
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 1.73% | 1.40% | 1.60% | 0.86% | -90 bps | |
| Return on Equity | 9.18% | 9.06% | 7.42% | 8.82% | 5.07% | -411 bps | |
| Net Interest Margin | 3.64% | 3.44% | 3.40% | 3.49% | 3.62% | -2 bps | |
| Efficiency Ratio | 55.29% | 58.24% | 61.51% | 58.77% | 70.18% | +1,489 bps | |
| Non-Interest Burden | 1.56% | 1.65% | 1.73% | 1.63% | 2.15% | +59 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.25% | -1.99% | -5.72% | 1.35% | 5.64% | +789 bps | |
| Loan Growth (YoY) | -3.71% | -6.10% | -11.00% | -7.49% | -4.51% | -80 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.69% | 18.55% | 18.97% | 16.84% | 17.07% | -261 bps | |
| Total Risk-Based Capital | 25.76% | 25.94% | 26.62% | 23.17% | 22.90% | -286 bps | |
| Equity / Assets | 19.54% | 18.75% | 19.10% | 17.23% | 16.72% | -282 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.66% | 63.84% | 59.98% | 62.43% | 59.91% | -975 bps | |
| Liquid Assets / Assets | 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 |