Warrensburg, MO · Cert 28776
FDIC · 1 branch
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | 0.28% | -0.12% | -0.39% | -0.40% | -21 bps | |
| Return on Equity | -1.42% | 2.13% | -0.88% | -2.98% | -3.17% | -175 bps | |
| Net Interest Margin | 2.30% | 3.01% | 2.46% | 2.33% | 2.63% | +33 bps | |
| Efficiency Ratio | 109.40% | 91.78% | 104.46% | 114.31% | 114.88% | +548 bps | |
| Non-Interest Burden | 2.62% | 2.66% | 2.65% | 2.82% | 3.19% | +57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.03% | 11.53% | 6.06% | 6.77% | 3.14% | -1,288 bps | |
| Loan Growth (YoY) | -6.73% | -1.77% | -11.49% | 0.91% | 9.14% | +1,587 bps | |
| Deposit Growth (YoY) | 18.22% | 13.38% | 6.99% | 8.62% | 3.87% | -1,435 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.71% | 0.10% | 0.00% | 0.00% | 0.00% | -171 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 0.97% | 1.03% | 1.01% | 0.97% | -9 bps | |
| Allowance Coverage of NPLs | 0.6x | 9.4x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.48% | 13.31% | 13.29% | 13.07% | 12.65% | -83 bps | |
| Total Risk-Based Capital | 22.32% | 22.14% | 23.55% | 23.49% | 22.12% | -20 bps | |
| Equity / Assets | 13.18% | 13.18% | 13.43% | 12.78% | 12.62% | -56 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.59% | 77.69% | 74.62% | 73.05% | 75.23% | +363 bps | |
| Liquid Assets / Assets | 32.66% | 27.33% | 30.70% | 31.72% | 29.82% | -284 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |