Salisbury, MO · Cert 8259
FDIC · 4 branches
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Salisbury, MO · Cert 8259
FDIC · 4 branches
Q3 2022
Market Position · Columbia, MO · 2022 SOD (annual) · 0.3% share · #24 of 28 inst. · $0.0B of $6.7B
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.40% | 0.79% | 0.75% | 0.65% | 0.12% | 0.22% | -0.45% | -120 bps | |
| Return on Equity | 5.31% | 4.83% | 9.36% | 8.86% | 7.88% | 1.71% | 3.27% | -7.34% | -1,621 bps | |
| Net Interest Margin | 2.81% | 2.62% | 3.16% | 3.12% | 2.94% | 2.33% | 2.45% | 2.63% | -49 bps | |
| Efficiency Ratio | 84.29% | 87.82% | 77.50% | 78.09% | 79.38% | 93.79% | 89.18% | 116.47% | +3,838 bps | |
| Non-Interest Burden | 2.34% | 2.28% | 2.41% | 2.39% | 2.30% | 2.18% | 2.16% | 3.09% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.64% | 17.09% | 9.82% | 6.74% | 7.52% | 4.50% | 1.52% | 0.38% | -636 bps | |
| Loan Growth (YoY) | -4.22% | -1.93% | -3.75% | -4.04% | -1.91% | -8.80% | -7.68% | -6.04% | -200 bps | |
| Deposit Growth (YoY) | 9.20% | 19.21% | 11.10% | 7.41% | 8.40% | 6.64% | 4.41% | 5.08% | -233 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.06% | 0.09% | 1.05% | 0.95% | 0.96% | 0.93% | 0.91% | -14 bps | |
| Net Charge-Offs / Loans | 0.27% | -0.04% | -0.05% | -0.01% | -0.02% | -0.03% | -0.04% | -0.05% | -4 bps | |
| Allowance / Loans | 1.77% | 1.73% | 1.76% | 1.79% | 1.82% | 1.89% | 1.90% | 1.95% | +16 bps | |
| Allowance Coverage of NPLs | 7.8x | 30.0x | 20.6x | 1.7x | 1.9x | 2.0x | 2.0x | 2.1x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.46% | 8.13% | 8.27% | 8.40% | 8.42% | 7.91% | 8.16% | 7.79% | -60 bps | |
| Total Risk-Based Capital | 15.66% | 15.21% | 15.75% | 16.02% | 15.80% | 16.51% | 16.65% | 15.66% | -36 bps | |
| Equity / Assets | 8.43% | 8.27% | 8.48% | 8.70% | 7.70% | 6.40% | 5.89% | 4.50% | -420 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.73% | 53.81% | 53.20% | 53.01% | 46.81% | 46.02% | 47.04% | 47.40% | -561 bps | |
| Liquid Assets / Assets | 18.59% | 2.03% | 1.58% | 1.61% | 1.26% | 1.51% | 2.43% | 18.66% | +1,705 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |