Rolla, MO · Cert 30664
FDIC · 1 branch
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.33% | 0.26% | 0.29% | 0.27% | 0.25% | 0.27% | 0.34% | +5 bps | |
| Return on Equity | 0.89% | 1.10% | 0.87% | 0.96% | 0.91% | 0.83% | 0.89% | 1.13% | +17 bps | |
| Net Interest Margin | 3.34% | 3.28% | 3.26% | 3.45% | 3.45% | 3.43% | 3.37% | 3.19% | -26 bps | |
| Efficiency Ratio | 88.71% | 86.81% | 88.42% | 91.50% | 90.35% | 90.59% | 89.56% | 86.04% | -546 bps | |
| Non-Interest Burden | 2.93% | 2.81% | 2.86% | 3.15% | 3.10% | 3.09% | 2.99% | 2.70% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | 1.97% | 1.57% | 2.48% | 2.01% | -1.14% | 1.93% | 0.68% | -180 bps | |
| Loan Growth (YoY) | 9.04% | 4.79% | 4.91% | 11.31% | 1.63% | -2.99% | -4.64% | -10.16% | -2,147 bps | |
| Deposit Growth (YoY) | -3.90% | 2.58% | 1.96% | 2.88% | 2.16% | -2.51% | 2.05% | 0.21% | -267 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.49% | 0.58% | 0.19% | 0.19% | 0.15% | 0.15% | 0.15% | -4 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.03% | 0.03% | 0.01% | 0.00% | 0.00% | -0.01% | -3 bps | |
| Allowance / Loans | 0.46% | 0.47% | 0.51% | 0.49% | 0.51% | 0.55% | 0.56% | 0.56% | +7 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.0x | 0.9x | 2.5x | 2.7x | 3.6x | 3.7x | 3.7x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 30.68% | 30.14% | 29.93% | 30.40% | 30.20% | 30.25% | 30.27% | 30.36% | -4 bps | |
| Total Risk-Based Capital | 44.90% | 41.18% | 46.71% | 42.01% | 41.76% | 44.30% | 44.86% | 30.63% | -1,138 bps | |
| Equity / Assets | 29.87% | 29.38% | 29.97% | 29.98% | 29.89% | 30.34% | 29.97% | 30.40% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.25% | 114.71% | 116.73% | 123.85% | 119.63% | 114.14% | 109.08% | 111.03% | -1,282 bps | |
| Liquid Assets / Assets | 5.40% | 5.43% | 9.87% | 4.70% | 6.57% | 12.02% | 13.54% | 14.93% | +1,023 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |