La Monte, MO · Cert 16423
FDIC · 1 branch
Q4 2022
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.31% | 0.44% | 0.47% | 0.43% | +38 bps | |
| Return on Equity | 0.63% | 3.96% | 5.63% | 5.92% | 5.38% | +474 bps | |
| Net Interest Margin | 2.27% | 2.41% | 2.49% | 2.61% | 2.58% | +32 bps | |
| Efficiency Ratio | 96.79% | 83.69% | 77.83% | 77.98% | 79.51% | -1,729 bps | |
| Non-Interest Burden | 2.19% | 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 / Loans | 1.06% | 0.00% | 0.14% | 0.01% | 0.62% | -44 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.94% | 0.95% | 0.86% | 0.90% | -5 bps | |
| Allowance Coverage of NPLs | 0.9x | n/a | 6.8x | 116.0x | 1.5x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.18% | 8.00% | 8.04% | 8.04% | 8.33% | +15 bps | |
| Total Risk-Based Capital | 16.77% | 16.77% | 16.78% | 15.68% | 15.71% | -107 bps | |
| Equity / Assets | 8.18% | 7.65% | 7.76% | 7.98% | 8.20% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.80% | 58.84% | 59.42% | 67.46% | 63.80% | +200 bps | |
| Liquid Assets / Assets | 6.52% | 15.55% | 20.06% | 17.80% | 17.96% | +1,143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |