Clayton, MO · Cert 4534
FDIC · 17 branches
Q3 2021
Market Position · St. Louis, MO-IL · 2021 SOD (annual) · 1.5% share · #15 of 116 inst. · $1.8B of $121.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 2.42% | 1.57% | 1.60% | 1.61% | -49 bps | |
| Return on Equity | 19.75% | 22.90% | 15.89% | 16.51% | 16.03% | -373 bps | |
| Net Interest Margin | 3.08% | 3.24% | 3.08% | 2.88% | 2.88% | -19 bps | |
| Efficiency Ratio | 46.52% | 44.16% | 56.15% | 52.49% | 51.58% | +506 bps | |
| Non-Interest Burden | 0.28% | -0.02% | 0.99% | 0.78% | 0.79% | +52 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.42% | 17.52% | 19.22% | 7.01% | 9.38% | -803 bps | |
| Loan Growth (YoY) | 13.79% | 11.56% | 12.45% | 0.82% | 0.37% | -1,342 bps | |
| Deposit Growth (YoY) | 16.39% | 18.66% | 23.92% | 13.01% | 11.17% | -522 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.19% | 0.11% | 0.23% | 0.20% | 0.20% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.08% | 0.01% | -0.10% | 0.01% | +3 bps | |
| Allowance / Loans | 1.39% | 1.42% | 1.42% | 1.49% | 1.48% | +9 bps | |
| Allowance Coverage of NPLs | 7.1x | 13.4x | 6.3x | 7.3x | 7.4x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.41% | 9.12% | 8.72% | 8.76% | 9.14% | -27 bps | |
| Total Risk-Based Capital | 13.47% | 12.47% | 12.28% | 12.80% | 12.82% | -64 bps | |
| Equity / Assets | 10.99% | 10.12% | 9.60% | 9.76% | 10.37% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.31% | 104.10% | 99.08% | 95.33% | 98.69% | -1,062 bps | |
| Liquid Assets / Assets | 3.60% | 6.15% | 10.34% | 13.32% | 10.32% | +672 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |