Louisiana, MO · Cert 12231
FDIC · 1 branch
Q2 2023
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 | 0.96% | 0.97% | 0.77% | 1.33% | 1.01% | +5 bps | |
| Return on Equity | 5.80% | 6.34% | 5.22% | 8.93% | 6.77% | +97 bps | |
| Net Interest Margin | 3.12% | 3.48% | 3.54% | 3.35% | 2.94% | -18 bps | |
| Efficiency Ratio | 63.19% | 65.20% | 74.07% | 54.45% | 59.45% | -374 bps | |
| Non-Interest Burden | 1.82% | 2.18% | 2.56% | 1.67% | 1.64% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.91% | 12.89% | 9.60% | 9.44% | 7.88% | +498 bps | |
| Loan Growth (YoY) | 12.41% | 33.92% | 38.48% | 34.71% | 21.23% | +882 bps | |
| Deposit Growth (YoY) | 7.80% | 21.20% | 14.62% | 12.12% | -0.26% | -805 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.02% | 0.02% | 0.05% | 0.07% | -21 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.01% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 3.62% | 3.16% | 3.06% | 3.00% | 3.03% | -59 bps | |
| Allowance Coverage of NPLs | 13.3x | 171.6x | 171.7x | 66.0x | 46.3x | +33.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.79% | 17.46% | 17.15% | 16.86% | 17.06% | -73 bps | |
| Total Risk-Based Capital | 17.79% | 17.46% | 17.15% | 16.86% | 17.06% | -73 bps | |
| Equity / Assets | 16.35% | 14.39% | 14.95% | 14.78% | 15.19% | -117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.97% | 83.55% | 88.84% | 86.79% | 97.20% | +1,723 bps | |
| Liquid Assets / Assets | 12.57% | 10.20% | 5.56% | 7.59% | 5.71% | -686 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |