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Meramec Valley Bank

Valley Park, MO · Cert 19200

FDIC · 2 branches

Q3 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: Q3 2022, the quarter ended September 30, 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

Meramec Valley Bank

Valley Park, MO · Cert 19200

FDIC · 2 branches

Q3 2022

$167.6MAssets
$104.5MLoans
$141.2MDeposits
$23.7MEquity
Loan mix
82%RE $65.3M16%C&I $12.9M2%Consumer $1.4MQ3 2021Q3 2022
Deposit mix
73%Interest-bearing $102.9M27%Noninterest $38.3MQ3 2021Q3 2022

NIM

4.04%Q3 ’203.72%Q3 ’213.17%Q3 ’22-5%-8%

Non-interest income vs. expense

2.46%Q3 ’202.63%Q3 ’213.76%Q3 ’22-7%+42%

Market Position · St. Louis, MO-IL · 2022 SOD (annual) · 0.1% share · #70 of 113 inst. · $0.1B of $129.6B

Executive Summary

  • Earnings: ROA of 0.07%, down 153 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.00% of loans (-34 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 6.90%, down 125 bps from a year ago.
  • Funding: loans stand at 74.00% of deposits as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.07%-153 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-27 bps YoY

Efficiency Ratio (YTD, annualized)

99.96%+3,432 bps YoY

Tier 1 Leverage Ratio

6.90%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets1.60%1.47%2.06%1.26%0.07%-153 bps
Return on Equity19.85%18.25%26.58%16.39%0.73%-1,912 bps
Net Interest Margin3.42%3.30%2.99%3.00%3.15%-27 bps
Efficiency Ratio65.64%68.37%55.37%66.10%99.96%+3,432 bps
Non-Interest Burden2.04%2.08%0.59%1.54%2.90%+85 bps
Growth
Asset Growth (YoY)5.66%12.15%3.94%0.25%7.90%+223 bps
Loan Growth (YoY)-11.17%-5.28%-4.93%-3.87%-4.52%+665 bps
Deposit Growth (YoY)19.19%25.76%10.07%5.22%4.04%-1,514 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.00%0.00%0.00%0.00%-34 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.18%1.08%0.98%1.01%0.00%-118 bps
Allowance Coverage of NPLs3.5xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.14%8.05%7.89%7.85%6.90%-125 bps
Total Risk-Based Capital12.89%12.31%11.85%12.15%9.70%-319 bps
Equity / Assets7.94%7.91%7.58%7.53%14.13%+619 bps
Liquidity & Funding
Loans / Deposits80.63%77.68%80.80%79.65%74.00%-663 bps
Liquid Assets / Assets21.40%18.48%14.14%12.82%14.70%-670 bps
CRE / Total Capitaln/an/an/an/an/an/an/a