Arnold, MO · Cert 58107
FDIC · 2 branches
Q4 2021
Market Position · St. Louis, MO-IL · 2021 SOD (annual) · 0.2% share · #60 of 116 inst. · $0.2B 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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 1.06% | 1.35% | 1.18% | 1.60% | 0.93% | 1.96% | 1.29% | +12 bps | |
| Return on Equity | 4.99% | 13.62% | 19.00% | 16.03% | 20.81% | 11.61% | 22.64% | 14.54% | -150 bps | |
| Net Interest Margin | 3.26% | 4.51% | 3.74% | 3.88% | 4.59% | 3.43% | 3.61% | 3.29% | -59 bps | |
| Efficiency Ratio | 82.62% | 68.93% | 70.55% | 69.21% | 65.64% | 72.92% | 62.89% | 75.83% | +662 bps | |
| Non-Interest Burden | 2.25% | 2.37% | 1.32% | 1.63% | 2.01% | 1.99% | 1.27% | 2.17% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.37% | 36.63% | 45.00% | 29.20% | 28.37% | -1.87% | -8.28% | 1.23% | -2,797 bps | |
| Loan Growth (YoY) | 15.36% | 43.09% | 50.26% | 32.22% | 24.52% | -5.52% | -10.88% | -7.81% | -4,003 bps | |
| Deposit Growth (YoY) | 14.18% | 49.28% | 28.29% | 14.40% | 15.15% | -3.25% | 10.03% | 19.73% | +533 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.61% | 0.72% | 0.51% | 0.73% | 0.30% | 0.66% | 1.09% | 0.34% | -39 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.01% | -0.01% | -0.14% | 0.10% | -0.24% | -0.13% | 0.06% | +20 bps | |
| Allowance / Loans | 0.96% | 0.98% | 0.98% | 1.13% | 1.13% | 1.23% | 1.17% | 1.08% | -5 bps | |
| Allowance Coverage of NPLs | 0.6x | 1.4x | 1.9x | 1.6x | 3.8x | 1.8x | 1.1x | 3.1x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 6.84% | 7.96% | 8.18% | 8.22% | 8.31% | 8.56% | 8.76% | +57 bps | |
| Total Risk-Based Capital | 10.44% | 10.86% | 10.57% | 10.76% | 11.17% | 11.24% | 11.26% | 11.87% | +111 bps | |
| Equity / Assets | 8.62% | 7.14% | 7.03% | 7.68% | 7.70% | 8.37% | 8.94% | 8.85% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.97% | 98.90% | 119.95% | 117.04% | 104.86% | 96.59% | 97.16% | 90.12% | -2,692 bps | |
| Liquid Assets / Assets | 3.48% | 2.72% | 2.58% | 2.04% | 7.04% | 4.17% | 4.59% | 16.99% | +1,494 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |