Jamesport, MO · Cert 8884
FDIC · 3 branches
Q3 2021
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 | 1.45% | 1.52% | 1.54% | 10.72% | 0.82% | -63 bps | |
| Return on Equity | 12.14% | 12.89% | 12.58% | 78.62% | 5.56% | -657 bps | |
| Net Interest Margin | 2.61% | 2.57% | 2.62% | 3.76% | 2.39% | -22 bps | |
| Efficiency Ratio | 45.58% | 42.19% | 46.78% | 11.13% | 72.48% | +2,690 bps | |
| Non-Interest Burden | 1.07% | 0.89% | 0.95% | -6.99% | 1.57% | +50 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.41% | -2.77% | -14.40% | -13.47% | -26.31% | -2,872 bps | |
| Loan Growth (YoY) | -6.18% | -11.59% | -14.59% | -14.82% | -21.05% | -1,487 bps | |
| Deposit Growth (YoY) | -7.25% | -2.76% | -7.52% | -5.83% | -29.60% | -2,236 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 7.21% | 7.57% | 8.02% | 3.31% | 3.68% | -354 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.59% | 11.35% | 12.49% | 15.17% | 14.21% | +263 bps | |
| Total Risk-Based Capital | 11.59% | 11.35% | 12.49% | 15.17% | 14.21% | +263 bps | |
| Equity / Assets | 11.73% | 11.94% | 12.58% | 14.68% | 14.78% | +305 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.16% | 45.12% | 48.33% | 47.48% | 54.01% | +585 bps | |
| Liquid Assets / Assets | 11.18% | 8.61% | 6.24% | 9.26% | 4.94% | -624 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |