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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.97% | -3.08% | 1.19% | 2.43% | +173 bps | |
| Return on Equity | 7.72% | 10.37% | -28.28% | 8.98% | 16.42% | +871 bps | |
| Net Interest Margin | 2.66% | 2.99% | -7.44% | 3.83% | 5.74% | +308 bps | |
| Efficiency Ratio | 69.42% | 61.79% | 55.18% | 37.09% | 26.77% | -4,265 bps | |
| Non-Interest Burden | 1.77% | 1.73% | -4.27% | 1.80% | 1.90% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.12% | 6.98% | 16.24% | 10.00% | 9.41% | +829 bps | |
| Loan Growth (YoY) | 7.78% | 8.77% | -4.53% | -3.16% | -13.02% | -2,080 bps | |
| Deposit Growth (YoY) | 0.54% | 7.20% | 13.18% | 3.64% | 2.15% | +160 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.46% | 3.55% | 0.06% | 0.17% | 0.25% | -321 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.01% | 0.03% | 0.04% | +4 bps | |
| Allowance / Loans | 0.65% | 0.68% | 0.02% | 0.06% | 0.12% | -53 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.3x | 0.3x | 0.5x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.04% | 9.63% | 6.24% | 7.69% | 7.99% | -105 bps | |
| Total Risk-Based Capital | 9.04% | 9.63% | 10.28% | 13.44% | 14.07% | +503 bps | |
| Equity / Assets | 9.18% | 9.62% | 12.01% | 14.40% | 15.18% | +601 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.13% | 61.98% | 54.19% | 54.03% | 52.91% | -923 bps | |
| Liquid Assets / Assets | 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 |