Springfield, MO · Cert 28670
FDIC · 16 branches
Q1 2022
Market Position · Springfield, MO · 2021 SOD (annual) · 5.4% share · #5 of 36 inst. · $0.8B of $14.6B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.02% | 1.35% | 1.21% | 0.47% | -49 bps | |
| Return on Equity | 9.73% | 10.43% | 13.17% | 11.57% | 4.65% | -508 bps | |
| Net Interest Margin | 2.82% | 2.92% | 3.28% | 3.15% | 2.90% | +8 bps | |
| Efficiency Ratio | 65.37% | 63.08% | 81.16% | 63.27% | 85.53% | +2,016 bps | |
| Non-Interest Burden | 1.54% | 1.49% | 2.47% | 1.65% | 2.37% | +83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.64% | 6.23% | 2.73% | 2.47% | -0.29% | -1,993 bps | |
| Loan Growth (YoY) | 4.10% | 3.11% | 1.35% | 8.15% | 7.82% | +371 bps | |
| Deposit Growth (YoY) | 20.80% | 6.79% | 8.27% | 7.80% | 4.68% | -1,613 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.36% | 1.27% | 1.26% | 1.18% | 1.15% | -120 bps | |
| Net Charge-Offs / Loans | 0.07% | -0.17% | 0.03% | -0.01% | 0.00% | -7 bps | |
| Allowance / Loans | 1.30% | 1.29% | 1.33% | 1.28% | 1.29% | -1 bps | |
| Allowance Coverage of NPLs | 0.6x | 1.0x | 1.1x | 1.1x | 1.1x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.60% | 9.57% | 9.89% | 10.06% | 9.86% | +26 bps | |
| Total Risk-Based Capital | 9.60% | 9.57% | 9.89% | 10.06% | 9.86% | +26 bps | |
| Equity / Assets | 9.52% | 10.01% | 10.45% | 10.54% | 9.61% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.93% | 81.87% | 78.66% | 80.93% | 76.15% | +222 bps | |
| Liquid Assets / Assets | 17.51% | 9.22% | 12.43% | 10.43% | 14.78% | -273 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |