Saint Elizabeth, MO · Cert 12236
FDIC · 4 branches
Q3 2022
Market Position · Jefferson City, MO · 2022 SOD (annual) · 1.1% share · #13 of 20 inst. · $0.1B of $5.9B
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.02% | 3.56% | 3.03% | 2.69% | 2.34% | 1.37% | 1.40% | 1.56% | -113 bps | |
| Return on Equity | 17.55% | 31.23% | 26.26% | 23.30% | 18.84% | 8.98% | 9.27% | 10.24% | -1,306 bps | |
| Net Interest Margin | 3.79% | 5.79% | 4.81% | 4.29% | 4.28% | 3.39% | 3.24% | 3.62% | -68 bps | |
| Efficiency Ratio | 59.55% | 46.92% | 49.19% | 51.01% | 54.48% | 53.03% | 51.57% | 50.19% | -82 bps | |
| Non-Interest Burden | 1.87% | 2.03% | 1.73% | 1.60% | 1.67% | 1.37% | 1.26% | 1.39% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.79% | 19.50% | 6.91% | 9.51% | 16.76% | 23.00% | 24.23% | 13.47% | +396 bps | |
| Loan Growth (YoY) | 6.05% | 6.20% | -0.71% | 1.72% | 3.48% | 0.67% | 7.33% | 14.83% | +1,311 bps | |
| Deposit Growth (YoY) | 21.82% | 19.60% | 6.33% | 9.78% | 11.84% | 19.77% | 21.62% | 8.65% | -113 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.33% | 0.00% | 0.13% | 0.21% | 0.22% | 0.01% | 0.01% | -13 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.45% | 0.45% | 0.45% | 0.44% | 0.00% | 0.00% | 0.06% | 0.05% | -39 bps | |
| Allowance Coverage of NPLs | 3.6x | 1.3x | 91.0x | 3.3x | 0.0x | 0.0x | 5.4x | 5.9x | +2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.86% | 10.67% | 10.61% | 10.56% | 10.73% | 10.24% | 9.52% | 10.14% | -42 bps | |
| Total Risk-Based Capital | 16.20% | 17.24% | 17.48% | 17.27% | 16.15% | 16.35% | 15.81% | 15.72% | -155 bps | |
| Equity / Assets | 11.14% | 11.63% | 11.86% | 11.50% | 15.59% | 14.92% | 14.75% | 15.61% | +411 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.90% | 91.77% | 89.60% | 85.83% | 83.18% | 77.13% | 79.07% | 90.71% | +488 bps | |
| Liquid Assets / Assets | 17.75% | 16.69% | 19.37% | 21.76% | 20.88% | 27.25% | 25.73% | 2.46% | -1,929 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |