Elsberry, MO · Cert 1643
FDIC · 14 branches
Q1 2021
Market Position · St. Louis, MO-IL · 2020 SOD (annual) · 0.3% share · #40 of 119 inst. · $0.4B of $108.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 1.37% | 0.74% | 0.64% | 0.81% | 0.90% | 1.20% | -2.90% | -353 bps | |
| Return on Equity | 4.25% | 9.10% | 4.91% | 4.20% | 5.53% | 6.32% | 8.09% | -20.06% | -2,425 bps | |
| Net Interest Margin | 3.28% | 3.37% | 3.45% | 3.26% | 3.31% | 3.17% | 3.20% | 1.59% | -167 bps | |
| Efficiency Ratio | 80.49% | 64.61% | 67.78% | 75.63% | 68.46% | 73.98% | 65.41% | 93.74% | +1,811 bps | |
| Non-Interest Burden | 2.51% | 1.84% | 2.08% | 2.32% | 2.05% | 2.17% | 1.83% | 1.47% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.41% | 10.99% | 4.80% | 9.75% | 13.98% | 11.86% | 4.12% | -5.32% | -1,506 bps | |
| Loan Growth (YoY) | 12.38% | 15.56% | 5.24% | 13.43% | 17.48% | 15.65% | 7.34% | -3.65% | -1,708 bps | |
| Deposit Growth (YoY) | 6.78% | 9.46% | -1.04% | -0.47% | 9.98% | 10.90% | 11.97% | 4.51% | +498 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.69% | 0.68% | 1.26% | 0.77% | 1.05% | 0.46% | 0.45% | -81 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.08% | 1.06% | 0.21% | 0.33% | 0.10% | 0.20% | 0.04% | -16 bps | |
| Allowance / Loans | 1.14% | 1.10% | 1.03% | 1.00% | 0.94% | 0.93% | 0.99% | 1.59% | +59 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.6x | 1.5x | 0.8x | 1.2x | 0.9x | 2.1x | 3.5x | +2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.55% | 13.58% | 13.58% | 13.52% | 12.89% | 12.79% | 13.38% | 12.08% | -144 bps | |
| Total Risk-Based Capital | 16.24% | 16.14% | 15.87% | 15.44% | 15.59% | 15.63% | 16.80% | 16.85% | +140 bps | |
| Equity / Assets | 15.07% | 15.07% | 15.18% | 15.15% | 14.28% | 14.26% | 15.53% | 13.27% | -188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.04% | 96.47% | 100.84% | 101.86% | 101.52% | 100.61% | 96.67% | 93.90% | -796 bps | |
| Liquid Assets / Assets | 2.64% | 2.87% | 2.47% | 1.54% | 2.58% | 3.07% | 3.58% | 2.26% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |