Hillsboro, MO · Cert 15821
FDIC · 1 branch
Q2 2018
Market Position · St. Louis, MO-IL · 2018 SOD (annual) · 0.1% share · #85 of 125 inst. · $0.1B of $86.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.99% | 1.00% | 1.00% | 0.82% | 0.88% | 1.18% | 0.87% | -14 bps | |
| Return on Equity | 5.44% | 8.32% | 8.44% | 8.47% | 6.85% | 7.27% | 9.78% | 6.97% | -151 bps | |
| Net Interest Margin | 3.53% | 3.59% | 3.46% | 3.40% | 3.54% | 3.65% | 3.66% | 3.68% | +28 bps | |
| Efficiency Ratio | 79.97% | 65.24% | 65.03% | 63.04% | 69.79% | 67.46% | 63.68% | 70.43% | +739 bps | |
| Non-Interest Burden | 2.78% | 2.27% | 2.18% | 2.04% | 2.40% | 2.40% | 2.25% | 2.53% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | 3.03% | 5.31% | 6.35% | 5.53% | 7.31% | 4.61% | -1.33% | -768 bps | |
| Loan Growth (YoY) | 14.75% | 13.64% | 5.86% | -0.56% | -1.57% | 8.27% | 14.24% | 12.91% | +1,347 bps | |
| Deposit Growth (YoY) | 0.28% | 2.36% | 6.75% | 7.24% | 5.62% | 7.45% | 4.43% | -2.16% | -940 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.32% | 1.37% | 1.45% | 1.48% | 1.49% | 1.30% | 1.25% | 1.28% | -20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 115.5x | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.19% | 11.55% | 11.47% | 11.59% | 11.87% | 11.95% | 11.96% | 12.30% | +71 bps | |
| Total Risk-Based Capital | 16.08% | 16.38% | 16.80% | 16.94% | 20.31% | 17.01% | 20.37% | 20.23% | +329 bps | |
| Equity / Assets | 11.92% | 11.94% | 11.73% | 11.99% | 12.05% | 12.05% | 12.06% | 12.91% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.72% | 82.27% | 77.77% | 76.39% | 76.16% | 82.90% | 85.08% | 88.16% | +1,177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |