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Bank of St. Elizabeth

Saint Elizabeth, MO · Cert 12236

FDIC · 4 branches

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

Bank of St. Elizabeth

Saint Elizabeth, MO · Cert 12236

FDIC · 4 branches

Q3 2022

$225.7MAssets
$165.7MLoans
$182.7MDeposits
$35.2MEquity
Loan mix
86%RE $119.8M4%C&I $5.5M10%Consumer $14.0MQ3 2021Q3 2022
Deposit mix
66%Interest-bearing $120.9M34%Noninterest $61.8MQ3 2021Q3 2022

NIM

4.61%Q3 ’204.70%Q3 ’213.74%Q3 ’22+9%-16%

Non-interest income vs. expense

2.71%Q3 ’202.74%Q3 ’212.15%Q3 ’22-14%-14%

Market Position · Jefferson City, MO · 2022 SOD (annual) · 1.1% share · #13 of 20 inst. · $0.1B of $5.9B

17.8% Miller
11.1% Osage
2.5% Camden

Executive Summary

  • Earnings: ROA of 1.56%, down 113 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.01% of loans (-13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.14%, down 42 bps from a year ago.
  • Funding: loans stand at 90.71% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

1.56%-113 bps YoY

Net Interest Margin (YTD, annualized)

3.62%-68 bps YoY

Efficiency Ratio (YTD, annualized)

50.19%-82 bps YoY

Tier 1 Leverage Ratio

10.14%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets2.69%2.34%1.37%1.40%1.56%-113 bps
Return on Equity23.30%18.84%8.98%9.27%10.24%-1,306 bps
Net Interest Margin4.29%4.28%3.39%3.24%3.62%-68 bps
Efficiency Ratio51.01%54.48%53.03%51.57%50.19%-82 bps
Non-Interest Burden1.60%1.67%1.37%1.26%1.39%-22 bps
Growth
Asset Growth (YoY)9.51%16.76%23.00%24.23%13.47%+396 bps
Loan Growth (YoY)1.72%3.48%0.67%7.33%14.83%+1,311 bps
Deposit Growth (YoY)9.78%11.84%19.77%21.62%8.65%-113 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.21%0.22%0.01%0.01%-13 bps
Net Charge-Offs / Loans0.00%0.02%0.00%0.00%0.00%+1 bps
Allowance / Loans0.44%0.00%0.00%0.06%0.05%-39 bps
Allowance Coverage of NPLs3.3x0.0x0.0x5.4x5.9x+2.6x
Capital
Tier 1 Leverage Ratio10.56%10.73%10.24%9.52%10.14%-42 bps
Total Risk-Based Capital17.27%16.15%16.35%15.81%15.72%-155 bps
Equity / Assets11.50%15.59%14.92%14.75%15.61%+411 bps
Liquidity & Funding
Loans / Deposits85.83%83.18%77.13%79.07%90.71%+488 bps
Liquid Assets / Assets21.76%20.88%27.25%25.73%2.46%-1,929 bps
CRE / Total Capitaln/an/an/an/an/an/an/a