Saint Libory, IL · Cert 10439
FDIC · 3 branches
Q2 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2023, the quarter ended June 30, 2023, 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.
Saint Libory, IL · Cert 10439
FDIC · 3 branches
Q2 2023
Market Position · St. Louis, MO-IL · 2023 SOD (annual) · 0.1% share · #73 of 112 inst. · $0.1B of $133.5B
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.02% | 1.22% | 0.96% | 0.97% | 0.10% | 1.19% | 1.81% | +85 bps | |
| Return on Equity | 14.69% | 11.32% | 13.32% | 10.51% | 10.45% | 1.06% | 8.98% | 13.08% | +257 bps | |
| Net Interest Margin | 2.69% | 2.78% | 2.72% | 2.64% | 2.82% | 0.36% | 3.83% | 4.78% | +214 bps | |
| Efficiency Ratio | 56.36% | 59.19% | 60.28% | 64.84% | 63.76% | 38.55% | 37.09% | 30.97% | -3,387 bps | |
| Non-Interest Burden | 1.35% | 1.48% | 1.52% | 1.62% | 1.69% | 0.17% | 1.80% | 1.85% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.22% | 5.10% | 0.95% | 1.12% | 6.98% | 16.24% | 10.00% | 9.41% | +829 bps | |
| Loan Growth (YoY) | 8.60% | 12.25% | 4.84% | 7.78% | 8.77% | -4.53% | -3.16% | -13.02% | -2,080 bps | |
| Deposit Growth (YoY) | 6.66% | 4.78% | 0.23% | 0.54% | 7.20% | 13.18% | 3.64% | 2.15% | +160 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.06% | 0.03% | 3.46% | 3.55% | 0.06% | 0.17% | 0.25% | -321 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | 0.05% | 0.02% | 0.01% | 0.01% | 0.03% | 0.04% | +1 bps | |
| Allowance / Loans | 0.55% | 0.84% | 0.69% | 0.65% | 0.68% | 0.02% | 0.06% | 0.12% | -53 bps | |
| Allowance Coverage of NPLs | 3.2x | 14.1x | 26.1x | 0.2x | 0.2x | 0.3x | 0.3x | 0.5x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.26% | 9.37% | 9.30% | 9.04% | 9.63% | 6.24% | 7.69% | 7.99% | -105 bps | |
| Total Risk-Based Capital | 9.26% | 9.37% | 9.30% | 9.04% | 9.63% | 10.28% | 13.44% | 14.07% | +503 bps | |
| Equity / Assets | 9.76% | 9.33% | 9.00% | 9.18% | 9.62% | 12.01% | 14.40% | 15.18% | +601 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.09% | 64.24% | 57.82% | 62.13% | 61.98% | 54.19% | 54.03% | 52.91% | -923 bps | |
| Liquid Assets / Assets | 36.28% | 33.61% | 39.10% | 34.73% | 34.06% | 31.75% | 33.42% | 39.35% | +462 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |