Lincoln, MO · Cert 8267
FDIC · 2 branches
Q2 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.58% | 1.38% | 1.25% | 1.66% | 1.59% | 1.51% | 1.23% | -2 bps | |
| Return on Equity | 15.73% | 14.40% | 12.72% | 11.39% | 14.80% | 14.10% | 13.71% | 11.53% | +13 bps | |
| Net Interest Margin | 3.70% | 3.51% | 3.33% | 3.46% | 3.53% | 3.55% | 3.40% | 3.18% | -28 bps | |
| Efficiency Ratio | 57.42% | 60.65% | 62.96% | 65.61% | 58.71% | 60.49% | 60.79% | 63.19% | -242 bps | |
| Non-Interest Burden | 1.92% | 1.92% | 1.94% | 2.18% | 1.87% | 1.95% | 1.89% | 1.92% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.65% | 6.34% | 6.40% | 5.88% | 5.30% | 1.74% | 4.60% | 10.98% | +509 bps | |
| Loan Growth (YoY) | 5.27% | 4.30% | 2.42% | 2.75% | 1.42% | -0.06% | 1.27% | 0.86% | -189 bps | |
| Deposit Growth (YoY) | 2.93% | 6.53% | 6.37% | 6.13% | 11.09% | 5.44% | 7.50% | 13.42% | +729 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0.16% | 0.47% | 0.38% | +36 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | 0.00% | 0.01% | 0.00% | 0.06% | +1 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.21% | 1.19% | 1.19% | 1.21% | 1.19% | 1.18% | -1 bps | |
| Allowance Coverage of NPLs | 82.5x | 120.0x | 83.2x | 49.1x | 98.3x | 7.6x | 2.6x | 3.1x | -46.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.20% | 10.96% | 10.91% | 11.02% | 11.28% | 11.27% | 11.07% | 10.64% | -38 bps | |
| Total Risk-Based Capital | 18.86% | 19.04% | 19.57% | 19.39% | 19.79% | 19.97% | 20.11% | 19.34% | -5 bps | |
| Equity / Assets | 11.02% | 10.88% | 10.85% | 11.10% | 11.27% | 11.31% | 10.77% | 10.60% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.78% | 86.69% | 83.25% | 84.17% | 82.88% | 82.17% | 78.42% | 74.85% | -932 bps | |
| Liquid Assets / Assets | 9.49% | 12.02% | 14.46% | 13.03% | 12.52% | 13.31% | 17.96% | 20.73% | +769 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |