New London, MO · Cert 16170
FDIC · 4 branches
Q2 2021
Market Position · St. Louis, MO-IL · 2021 SOD (annual) · 0.0% share · #104 of 116 inst. · $0.0B of $121.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.48% | 0.38% | -0.03% | 0.26% | 0.62% | 0.88% | -1.14% | -110 bps | |
| Return on Equity | 5.60% | 5.92% | 4.85% | -0.43% | 3.62% | 8.73% | 12.28% | -13.87% | -1,344 bps | |
| Net Interest Margin | 3.73% | 3.80% | 3.63% | 3.49% | 3.41% | 3.67% | 3.58% | 3.26% | -23 bps | |
| Efficiency Ratio | 83.17% | 86.59% | 88.19% | 95.15% | 85.70% | 84.03% | 76.37% | 131.18% | +3,603 bps | |
| Non-Interest Burden | 3.00% | 3.23% | 3.15% | 3.29% | 2.84% | 3.03% | 2.68% | 4.31% | +101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.91% | 18.59% | 19.90% | 30.69% | 27.21% | 21.06% | 16.70% | 7.16% | -2,353 bps | |
| Loan Growth (YoY) | 15.62% | 17.97% | 22.15% | 25.16% | 17.56% | 7.77% | 2.33% | -5.25% | -3,040 bps | |
| Deposit Growth (YoY) | 9.96% | 11.27% | 13.05% | 29.24% | 30.97% | 23.57% | 18.40% | 6.28% | -2,296 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.29% | 0.21% | 0.24% | 0.00% | 0.00% | 0.00% | 0.00% | -24 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.03% | 0.16% | 0.00% | 1.08% | -0.14% | 0.00% | -0.31% | -31 bps | |
| Allowance / Loans | 1.08% | 1.04% | 0.96% | 0.97% | 0.83% | 0.90% | 0.88% | 0.11% | -86 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.6x | 4.6x | 4.1x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.54% | 8.37% | 7.60% | 7.24% | 7.21% | 7.08% | 7.14% | 6.72% | -52 bps | |
| Total Risk-Based Capital | 11.09% | 10.75% | 10.19% | 10.77% | 10.49% | 10.43% | 11.39% | 9.80% | -97 bps | |
| Equity / Assets | 8.61% | 7.79% | 7.78% | 7.22% | 7.27% | 6.97% | 7.30% | 9.07% | +185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.50% | 88.40% | 92.93% | 87.45% | 85.72% | 77.10% | 80.32% | 77.97% | -948 bps | |
| Liquid Assets / Assets | 0.43% | 7.85% | 3.97% | 9.24% | 8.75% | 13.19% | 8.80% | 9.06% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |