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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.90% | 0.79% | 0.95% | 0.99% | 1.11% | 1.14% | 0.47% | -49 bps | |
| Return on Equity | 8.75% | 8.78% | 7.76% | 9.73% | 10.07% | 11.13% | 11.24% | 4.65% | -508 bps | |
| Net Interest Margin | 3.05% | 2.92% | 2.94% | 2.82% | 2.85% | 3.01% | 3.04% | 2.90% | +8 bps | |
| Efficiency Ratio | 66.24% | 66.33% | 67.69% | 65.37% | 64.19% | 70.28% | 68.49% | 85.53% | +2,016 bps | |
| Non-Interest Burden | 1.75% | 1.64% | 1.71% | 1.54% | 1.50% | 1.84% | 1.79% | 2.37% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.34% | 11.58% | 13.15% | 19.64% | 6.23% | 2.73% | 2.47% | -0.29% | -1,993 bps | |
| Loan Growth (YoY) | 3.91% | 4.50% | 4.38% | 4.10% | 3.11% | 1.35% | 8.15% | 7.82% | +371 bps | |
| Deposit Growth (YoY) | 15.89% | 11.04% | 14.88% | 20.80% | 6.79% | 8.27% | 7.80% | 4.68% | -1,613 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.45% | 1.43% | 2.44% | 2.36% | 1.27% | 1.26% | 1.18% | 1.15% | -120 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.21% | 0.07% | -0.05% | -0.02% | -0.02% | 0.00% | -7 bps | |
| Allowance / Loans | 1.11% | 1.23% | 1.26% | 1.30% | 1.29% | 1.33% | 1.28% | 1.29% | -1 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.5x | 0.6x | 1.0x | 1.1x | 1.1x | 1.1x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 9.78% | 9.97% | 9.60% | 9.57% | 9.89% | 10.06% | 9.86% | +26 bps | |
| Total Risk-Based Capital | 9.97% | 9.78% | 9.97% | 9.60% | 9.57% | 9.89% | 10.06% | 9.86% | +26 bps | |
| Equity / Assets | 9.79% | 10.01% | 10.10% | 9.52% | 10.01% | 10.45% | 10.54% | 9.61% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.80% | 84.04% | 80.67% | 73.93% | 81.87% | 78.66% | 80.93% | 76.15% | +222 bps | |
| Liquid Assets / Assets | 10.06% | 10.72% | 12.73% | 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 | n/a | n/a | n/a |