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Home Exchange Bank

Jamesport, MO · Cert 8884

FDIC · 3 branches

Q3 2021

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: Q3 2021, the quarter ended September 30, 2021, 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

Home Exchange Bank

Jamesport, MO · Cert 8884

FDIC · 3 branches

Q3 2021

$130.8MAssets
$53.6MLoans
$99.2MDeposits
$19.3MEquity
Loan mix
92%RE $41.5M6%C&I $2.5M2%Consumer $0.9MQ3 2020Q3 2021
Deposit mix
62%Interest-bearing $61.4M38%Noninterest $37.8MQ3 2020Q3 2021

NIM

3.83%Q3 ’193.16%Q3 ’203.35%Q3 ’21-1%+25%

Non-interest income vs. expense

1.24%Q3 ’191.26%Q3 ’201.72%Q3 ’21+3%-256%

Executive Summary

  • Earnings: ROA of 4.37%, up 304 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.21%, up 263 bps from a year ago.
  • Funding: loans stand at 54.01% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

4.37%+304 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+61 bps YoY

Efficiency Ratio (YTD, annualized)

27.06%-1,968 bps YoY

Tier 1 Leverage Ratio

14.21%+263 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.34%1.39%1.54%5.94%4.37%+304 bps
Return on Equity11.43%11.86%12.58%45.61%32.61%+2,118 bps
Net Interest Margin2.45%2.53%2.62%3.23%3.06%+61 bps
Efficiency Ratio46.74%45.56%46.78%18.66%27.06%-1,968 bps
Non-Interest Burden1.01%1.00%0.95%-3.00%-1.58%-259 bps
Growth
Asset Growth (YoY)2.41%-2.77%-14.40%-13.47%-26.31%-2,872 bps
Loan Growth (YoY)-6.18%-11.59%-14.59%-14.82%-21.05%-1,487 bps
Deposit Growth (YoY)-7.25%-2.76%-7.52%-5.83%-29.60%-2,236 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans7.21%7.57%8.02%3.31%3.68%-354 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.59%11.35%12.49%15.17%14.21%+263 bps
Total Risk-Based Capital11.59%11.35%12.49%15.17%14.21%+263 bps
Equity / Assets11.73%11.94%12.58%14.68%14.78%+305 bps
Liquidity & Funding
Loans / Deposits48.16%45.12%48.33%47.48%54.01%+585 bps
Liquid Assets / Assets11.18%8.61%6.24%9.26%4.94%-624 bps
CRE / Total Capitaln/an/an/an/an/an/an/a