PackageTrendsPeer
Letter portraitLegal landscape

La Monte Community Bank

La Monte, MO · Cert 16423

FDIC · 1 branch

Q4 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: Q4 2022, the quarter ended December 31, 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

La Monte Community Bank

La Monte, MO · Cert 16423

FDIC · 1 branch

Q4 2022

$44.0MAssets
$25.8MLoans
$40.4MDeposits
$3.6MEquity
Loan mix
91%RE $22.1M5%C&I $1.2M4%Consumer $1.0MQ4 2021Q4 2022
Deposit mix
84%Interest-bearing $34.0M16%Noninterest $6.3MQ4 2021Q4 2022

NIM

3.08%Q4 ’202.60%Q4 ’213.09%Q4 ’22-14%+14%

Non-interest income vs. expense

2.36%Q4 ’202.42%Q4 ’212.20%Q4 ’22+0%-8%

Executive Summary

  • Earnings: ROA of 0.43%, up 38 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.62% of loans (-44 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.33%, up 15 bps from a year ago.
  • Funding: loans stand at 63.80% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

0.43%+38 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+32 bps YoY

Efficiency Ratio (YTD, annualized)

79.51%-1,729 bps YoY

Tier 1 Leverage Ratio

8.33%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.05%0.31%0.44%0.47%0.43%+38 bps
Return on Equity0.63%3.96%5.63%5.92%5.38%+474 bps
Net Interest Margin2.27%2.41%2.49%2.61%2.58%+32 bps
Efficiency Ratio96.79%83.69%77.83%77.98%79.51%-1,729 bps
Non-Interest Burden2.19%2.00%1.90%2.00%2.02%-17 bps
Growth
Asset Growth (YoY)3.34%-1.45%0.14%-0.04%4.45%+111 bps
Loan Growth (YoY)15.15%13.80%4.66%15.90%7.74%-742 bps
Deposit Growth (YoY)3.93%-1.38%0.17%-2.04%4.36%+44 bps
Asset Quality
Nonperforming Loans / Loans1.06%0.00%0.14%0.01%0.62%-44 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.95%0.94%0.95%0.86%0.90%-5 bps
Allowance Coverage of NPLs0.9xn/a6.8x116.0x1.5x+0.6x
Capital
Tier 1 Leverage Ratio8.18%8.00%8.04%8.04%8.33%+15 bps
Total Risk-Based Capital16.77%16.77%16.78%15.68%15.71%-107 bps
Equity / Assets8.18%7.65%7.76%7.98%8.20%+3 bps
Liquidity & Funding
Loans / Deposits61.80%58.84%59.42%67.46%63.80%+200 bps
Liquid Assets / Assets6.52%15.55%20.06%17.80%17.96%+1,143 bps
CRE / Total Capitaln/an/an/an/an/an/an/a