Kirksville, MO · Cert 58076
FDIC · 5 branches
Q3 2023
Market Position · Columbia, MO · 2023 SOD (annual) · 0.7% share · #21 of 27 inst. · $0.0B of $6.3B
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 0.89% | 0.92% | 0.94% | 0.89% | 0.58% | 0.56% | -0.64% | -158 bps | |
| Return on Equity | 10.40% | 7.81% | 8.12% | 8.45% | 8.29% | 5.95% | 5.64% | -6.33% | -1,478 bps | |
| Net Interest Margin | 4.26% | 4.03% | 3.99% | 3.71% | 3.59% | 3.18% | 3.16% | 0.81% | -290 bps | |
| Efficiency Ratio | 61.13% | 67.62% | 67.20% | 66.23% | 66.78% | 72.87% | 73.96% | 68.87% | +264 bps | |
| Non-Interest Burden | 2.43% | 2.65% | 2.59% | 2.37% | 2.32% | 2.27% | 2.29% | 0.65% | -172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.05% | 0.45% | 4.68% | 16.03% | 15.45% | 22.54% | 14.51% | 8.68% | -735 bps | |
| Loan Growth (YoY) | 7.48% | 10.61% | 14.01% | 20.69% | 25.90% | 23.96% | 19.33% | 6.70% | -1,399 bps | |
| Deposit Growth (YoY) | 10.66% | 1.77% | 0.31% | 9.22% | -0.92% | 1.13% | -2.06% | 5.65% | -357 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.08% | 0.00% | 0.00% | 0.00% | 0.05% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.04% | +3 bps | |
| Allowance / Loans | 1.23% | 1.25% | 1.23% | 1.15% | 1.09% | 1.10% | 1.13% | 0.76% | -39 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 16.2x | n/a | n/a | n/a | 21.0x | 5.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.45% | 10.51% | 10.30% | 9.75% | 9.40% | 9.05% | 9.23% | 7.88% | -187 bps | |
| Total Risk-Based Capital | 10.45% | 10.51% | 10.30% | 9.75% | 9.40% | 9.05% | 9.23% | 11.05% | +131 bps | |
| Equity / Assets | 11.09% | 11.79% | 11.07% | 10.41% | 9.71% | 9.81% | 10.08% | 11.01% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.11% | 99.52% | 104.17% | 108.72% | 117.04% | 121.98% | 126.92% | 109.80% | +108 bps | |
| Liquid Assets / Assets | 6.89% | 0.08% | 0.01% | 0.05% | 0.02% | 0.08% | 0.20% | 0.85% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |