Eureka, MO · Cert 32745
FDIC · 4 branches
Q1 2021
Market Position · St. Louis, MO-IL · 2020 SOD (annual) · 0.2% share · #56 of 119 inst. · $0.2B of $108.4B
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.79% | 1.96% | 2.16% | 1.91% | 1.79% | 1.85% | 0.47% | 1.83% | -8 bps | |
| Return on Equity | 12.15% | 13.37% | 14.55% | 12.34% | 11.76% | 13.94% | 3.49% | 12.97% | +63 bps | |
| Net Interest Margin | 4.43% | 4.31% | 4.18% | 4.03% | 3.80% | 3.61% | 0.92% | 3.33% | -69 bps | |
| Efficiency Ratio | 59.35% | 59.33% | 56.74% | 56.28% | 54.26% | 53.55% | 48.12% | 44.89% | -1,139 bps | |
| Non-Interest Burden | 2.33% | 2.25% | 2.04% | 1.95% | 1.73% | 1.53% | 0.41% | 1.35% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.83% | 0.90% | 2.07% | 2.48% | 11.89% | 8.15% | 16.31% | 18.41% | +1,593 bps | |
| Loan Growth (YoY) | 5.15% | 4.16% | -3.64% | -5.08% | 1.00% | -0.33% | -2.34% | -7.55% | -247 bps | |
| Deposit Growth (YoY) | -5.80% | -0.42% | 0.81% | 1.41% | 12.59% | 17.14% | 21.37% | 23.57% | +2,216 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.80% | 0.37% | 0.08% | 0.08% | 0.09% | 0.09% | -27 bps | |
| Net Charge-Offs / Loans | -0.38% | -0.30% | -0.24% | -0.08% | -0.04% | -0.03% | 0.01% | -0.02% | +6 bps | |
| Allowance / Loans | 1.38% | 1.11% | 0.94% | 0.80% | 0.77% | 0.65% | 0.02% | 0.02% | -77 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.2x | 2.2x | 9.5x | 7.9x | 0.2x | 0.3x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.14% | 15.00% | 15.11% | 15.68% | 15.10% | 8.08% | 10.45% | 10.99% | -469 bps | |
| Total Risk-Based Capital | 19.35% | 19.41% | 20.06% | 15.68% | 15.10% | 8.08% | 10.45% | 10.99% | -469 bps | |
| Equity / Assets | 15.06% | 14.61% | 15.47% | 15.50% | 14.67% | 8.02% | 14.03% | 14.13% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.42% | 93.04% | 93.81% | 93.90% | 88.29% | 79.16% | 75.48% | 70.25% | -2,365 bps | |
| Liquid Assets / Assets | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.61% | +161 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |