Louisiana, MO · Cert 12231
FDIC · 1 branch
Q2 2023
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 | 1.41% | 1.18% | 0.67% | 0.82% | 0.87% | 0.85% | 1.33% | 1.18% | +36 bps | |
| Return on Equity | 7.22% | 6.09% | 3.75% | 4.74% | 5.24% | 5.22% | 8.93% | 7.86% | +312 bps | |
| Net Interest Margin | 3.46% | 3.32% | 2.88% | 2.96% | 3.11% | 3.16% | 3.35% | 3.15% | +19 bps | |
| Efficiency Ratio | 59.68% | 64.49% | 70.50% | 66.60% | 66.09% | 68.28% | 54.45% | 56.78% | -983 bps | |
| Non-Interest Burden | 1.95% | 2.04% | 1.95% | 1.86% | 1.95% | 2.07% | 1.67% | 1.66% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.97% | 5.53% | 3.72% | 2.91% | 12.89% | 9.60% | 9.44% | 7.88% | +498 bps | |
| Loan Growth (YoY) | -8.85% | -11.26% | -4.74% | 12.41% | 33.92% | 38.48% | 34.71% | 21.23% | +882 bps | |
| Deposit Growth (YoY) | 7.56% | 8.55% | 7.25% | 7.80% | 21.20% | 14.62% | 12.12% | -0.26% | -805 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 0.31% | 0.27% | 0.02% | 0.02% | 0.05% | 0.07% | -21 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.02% | -0.02% | -0.02% | -0.01% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 4.05% | 4.11% | 3.95% | 3.62% | 3.16% | 3.06% | 3.00% | 3.03% | -59 bps | |
| Allowance Coverage of NPLs | 174.2x | 214.0x | 12.7x | 13.3x | 171.6x | 171.7x | 66.0x | 46.3x | +33.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.53% | 18.97% | 18.46% | 17.79% | 17.46% | 17.15% | 16.86% | 17.06% | -73 bps | |
| Total Risk-Based Capital | 19.53% | 18.97% | 18.46% | 17.79% | 17.46% | 17.15% | 16.86% | 17.06% | -73 bps | |
| Equity / Assets | 19.61% | 18.76% | 16.90% | 16.35% | 14.39% | 14.95% | 14.78% | 15.19% | -117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.61% | 73.53% | 72.24% | 79.97% | 83.55% | 88.84% | 86.79% | 97.20% | +1,723 bps | |
| Liquid Assets / Assets | 24.04% | 24.21% | 21.91% | 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 | n/a | n/a | n/a |