La Monte, MO · Cert 16423
FDIC · 1 branch
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -0.04% | -0.11% | 0.20% | 0.31% | 0.56% | 0.51% | 0.31% | +10 bps | |
| Return on Equity | 1.94% | -0.58% | -1.39% | 2.55% | 3.96% | 7.33% | 6.52% | 3.81% | +125 bps | |
| Net Interest Margin | 2.13% | 2.03% | 2.30% | 2.40% | 2.41% | 2.60% | 2.91% | 2.31% | -9 bps | |
| Efficiency Ratio | 90.77% | 102.06% | 105.97% | 89.27% | 83.69% | 72.49% | 78.22% | 84.73% | -455 bps | |
| Non-Interest Burden | 1.90% | 2.08% | 2.44% | 2.11% | 2.00% | 1.84% | 2.24% | 1.93% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.64% | 30.22% | 16.35% | 3.34% | -1.45% | 0.14% | -0.04% | 4.45% | +111 bps | |
| Loan Growth (YoY) | -6.01% | 3.64% | 6.02% | 15.15% | 13.80% | 4.66% | 15.90% | 7.74% | -742 bps | |
| Deposit Growth (YoY) | 46.80% | 33.87% | 18.33% | 3.93% | -1.38% | 0.17% | -2.04% | 4.36% | +44 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 3.22% | 0.26% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 0.97% | 0.98% | 0.95% | 0.94% | 0.95% | 0.86% | 0.90% | -5 bps | |
| Allowance Coverage of NPLs | n/a | 0.3x | 3.8x | 0.9x | n/a | 6.8x | 116.0x | 1.5x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.16% | 7.71% | 7.81% | 8.18% | 8.00% | 8.04% | 8.04% | 8.33% | +15 bps | |
| Total Risk-Based Capital | 8.16% | 16.96% | 17.40% | 16.77% | 16.77% | 16.78% | 15.68% | 15.71% | -107 bps | |
| Equity / Assets | 7.66% | 7.76% | 7.79% | 8.18% | 7.65% | 7.76% | 7.98% | 8.20% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.99% | 56.87% | 57.02% | 61.80% | 58.84% | 59.42% | 67.46% | 63.80% | +200 bps | |
| Liquid Assets / Assets | 16.93% | 4.32% | 7.45% | 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 | n/a | n/a | n/a |