Kirksville, MO · Cert 1635
FDIC · 8 branches
Q4 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.33% | 0.51% | -1.13% | 1.08% | 1.56% | 0.68% | 0.91% | +204 bps | |
| Return on Equity | 1.34% | 3.39% | 5.42% | -11.90% | 10.70% | 14.01% | 5.59% | 6.92% | +1,882 bps | |
| Net Interest Margin | 1.27% | 1.54% | 1.78% | 2.09% | 2.41% | 3.14% | 2.65% | 2.81% | +72 bps | |
| Efficiency Ratio | 88.30% | 77.34% | 68.66% | 62.67% | 49.29% | 42.28% | 71.02% | 62.96% | +29 bps | |
| Non-Interest Burden | 1.09% | 1.12% | 1.13% | 1.21% | 1.04% | 1.15% | 1.79% | 1.65% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 1.91% | 1.99% | -4.58% | -3.93% | -7.29% | -12.46% | -13.03% | -845 bps | |
| Loan Growth (YoY) | -6.52% | -5.21% | -0.24% | -0.76% | -1.64% | -5.05% | -6.75% | -7.11% | -636 bps | |
| Deposit Growth (YoY) | 5.96% | 4.69% | 5.31% | -3.28% | -4.80% | -9.57% | -15.81% | -16.89% | -1,361 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.81% | 1.72% | 1.57% | 1.65% | 1.25% | 0.17% | 0.17% | 0.12% | -153 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.01% | 0.60% | -0.04% | -0.01% | 0.00% | -0.05% | -65 bps | |
| Allowance / Loans | 1.62% | 1.60% | 1.59% | 1.43% | 1.50% | 1.54% | 1.55% | 1.56% | +13 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 1.0x | 0.9x | 1.2x | 8.9x | 9.3x | 12.8x | +12.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.63% | 11.89% | 12.30% | 12.40% | 12.40% | 13.43% | 14.12% | 15.15% | +275 bps | |
| Total Risk-Based Capital | 42.10% | 42.01% | 43.50% | 40.01% | 45.50% | 48.66% | 49.82% | 49.79% | +978 bps | |
| Equity / Assets | 9.93% | 9.44% | 9.50% | 9.58% | 10.62% | 11.65% | 12.67% | 13.53% | +395 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.46% | 31.11% | 32.10% | 32.01% | 31.47% | 32.66% | 35.56% | 35.77% | +376 bps | |
| Liquid Assets / Assets | 14.20% | 13.63% | 14.38% | 12.26% | 23.79% | 20.04% | 16.12% | 17.98% | +572 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |