Mexico, MO · Cert 8270
FDIC · 9 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Mexico, MO · Cert 8270
FDIC · 9 branches
Q4 2017
Market Position · Columbia, MO · 2017 SOD (annual) · 0.6% share · #14 of 32 inst. · $0.0B of $4.0B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.01% | 1.77% | 1.72% | 1.59% | 1.20% | 1.26% | 1.31% | 1.34% | -25 bps | |
| Return on Equity | 14.97% | 13.12% | 12.73% | 11.79% | 9.10% | 9.46% | 9.82% | 9.93% | -186 bps | |
| Net Interest Margin | 3.24% | 3.31% | 3.37% | 3.28% | 3.03% | 3.10% | 3.18% | 3.21% | -7 bps | |
| Efficiency Ratio | 55.27% | 58.53% | 58.97% | 60.98% | 66.80% | 65.57% | 66.50% | 66.29% | +531 bps | |
| Non-Interest Burden | 1.32% | 1.60% | 1.69% | 1.74% | 1.86% | 1.85% | 1.94% | 1.95% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.43% | -0.80% | -2.51% | -1.18% | 3.67% | 0.88% | 3.66% | 0.90% | +208 bps | |
| Loan Growth (YoY) | 3.06% | 5.07% | 5.62% | 1.39% | -1.70% | -5.01% | -3.09% | -1.55% | -293 bps | |
| Deposit Growth (YoY) | -2.50% | -1.75% | -3.14% | -1.10% | 6.85% | 8.58% | 10.34% | 5.31% | +641 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.06% | 0.05% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.00% | -0.02% | -0.02% | -0.12% | -0.09% | -8 bps | |
| Allowance / Loans | 1.65% | 1.60% | 1.61% | 1.67% | 1.70% | 1.70% | 1.68% | 1.71% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 26.9x | 27.8x | 33.9x | 35.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.38% | 13.65% | 13.42% | 13.30% | 13.25% | 13.52% | 13.76% | 13.97% | +68 bps | |
| Total Risk-Based Capital | 20.34% | 19.99% | 19.90% | 20.40% | 21.01% | 21.06% | 21.30% | 21.94% | +154 bps | |
| Equity / Assets | 13.58% | 13.75% | 13.62% | 13.39% | 12.94% | 13.50% | 13.54% | 14.17% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.61% | 91.17% | 90.39% | 84.83% | 79.68% | 79.76% | 79.38% | 79.31% | -552 bps | |
| Liquid Assets / Assets | 9.83% | 9.27% | 8.46% | 9.00% | 14.74% | 13.05% | 12.51% | 9.95% | +96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |