Valley Park, MO · Cert 19200
FDIC · 2 branches
Q3 2022
Market Position · St. Louis, MO-IL · 2022 SOD (annual) · 0.1% share · #70 of 113 inst. · $0.1B of $129.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 1.26% | 1.58% | 1.95% | 1.07% | 2.06% | 0.44% | -2.81% | -475 bps | |
| Return on Equity | 4.85% | 15.51% | 19.51% | 24.19% | 13.50% | 26.58% | 5.83% | -25.46% | -4,965 bps | |
| Net Interest Margin | 3.29% | 3.48% | 3.30% | 3.84% | 3.11% | 2.99% | 3.05% | 3.47% | -37 bps | |
| Efficiency Ratio | 79.81% | 66.72% | 64.11% | 66.29% | 77.28% | 55.37% | 83.36% | 178.93% | +11,264 bps | |
| Non-Interest Burden | 2.42% | 2.19% | 1.71% | 2.42% | 2.29% | 0.59% | 2.50% | 5.86% | +344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.41% | 12.44% | -4.49% | 5.66% | 12.15% | 3.94% | 0.25% | 7.90% | +223 bps | |
| Loan Growth (YoY) | 13.32% | 10.40% | -7.70% | -11.17% | -5.28% | -4.93% | -3.87% | -4.52% | +665 bps | |
| Deposit Growth (YoY) | 12.25% | 21.93% | 8.01% | 19.19% | 25.76% | 10.07% | 5.22% | 4.04% | -1,514 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.34% | 0.00% | 0.00% | 0.00% | 0.00% | -34 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 | 1.28% | 1.28% | 1.33% | 1.18% | 1.08% | 0.98% | 1.01% | 0.00% | -118 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 3.5x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.13% | 8.32% | 8.26% | 8.14% | 8.05% | 7.89% | 7.85% | 6.90% | -125 bps | |
| Total Risk-Based Capital | 12.04% | 12.56% | 13.30% | 12.89% | 12.31% | 11.85% | 12.15% | 9.70% | -319 bps | |
| Equity / Assets | 8.13% | 8.08% | 8.16% | 7.94% | 7.91% | 7.58% | 7.53% | 14.13% | +619 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.14% | 93.54% | 87.17% | 80.63% | 77.68% | 80.80% | 79.65% | 74.00% | -663 bps | |
| Liquid Assets / Assets | 9.26% | 11.81% | 17.04% | 21.40% | 18.48% | 14.14% | 12.82% | 14.70% | -670 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |