Investor Presentaiton
Financial Profile
In $000s except for per share data
2018
2019
As of December 31
2020
2021
2022
6/30/2022
For the Three Months Ended
9/30/2022 12/31/2022
3/31/2023
Balance Sheet
Total Assets
$1,786,469 $2,148,916
Total Loans
$1,400,825 $1,691,975
Total Deposits
$1,361,731
$1,707,706
Loans/Deposits
102.87%
99.08%
$2,321,181
$1,860,318
$1,887,824
98.54%
$2,513,203 $2,753,807
$1,872,012 $2,104,767
$2,120,266 $2,082,365
88.29% 101.08%
$2,590,607 $2,661,694 $2,753,807 $2,751,669
$1,916,395 $2,005,677 $2,104,767 $2,109,044
$2,062,670 $2,052,683 $2,082,365 $2,145,647
92.91%
97.71%
101.08%
98.29%
Capital
TCE/TA¹
TRBC Ratio
Tier 1 Ratio
Leverage Ratio
Profitability Measures
9.20%
9.96%
9.22%
8.04%
6.37%
6.90%
6.20%
6.37%
6.48%
13.46%
15.02%
14.71%
12.99%
13.25%
13.28%
13.15%
13.25%
13.24%
11.59%
12.03%
11.36%
9.90%
10.21%
10.17%
10.08%
10.21%
10.06%
9.81%
10.45%
9.49%
8.12%
8.53%
8.57%
8.48%
8.53%
8.30%
Net Interest Margin
3.61%
3.51%
3.49%
3.53%
3.67%
3.70%
3.77%
3.50%
3.13%
Non Interest Income/Average Assets
0.26%
0.31%
0.53%
0.47%
0.70%
1.00%
0.40%
0.51%
0.16%
Non Interest Expense/Average Assets
2.48%
2.44%
2.51%
2.45%
2.34%
2.44%
2.42%
2.06%
2.40%
Efficiency Ratio
67.89%
67.81%
66.72%
65.79%
56.29%
54.85%
61.10%
53.59%
76.12%
ROAA
0.81%
0.85%
0.61%
0.31%
1.37%
1.48%
1.11%
1.32%
0.57%
ROAE
7.68%
8.21%
5.77%
3.22%
15.63%
16.40%
12.79%
16.69%
7.04%
Diluted Earnings Per Share
$1.39
$1.66
$1.27
$0.76
$3.50
$0.92
$0.73
$0.88
$0.38
Net Income
$13,606
$16,839
$13,889
$8,000
$35,709
$9,404
$7,304
$8,898
$3,812
Asset Quality
NPAs/Assets
NCOs/Avg Loans
0.54%
0.30%
0.62%
1.28%
0.44%
0.79%
0.58%
0.44%
0.23%
0.08%
0.04%
0.08%
1.18%
(0.03)%
0.00%
0.00%
0.00%
0.01%
INVESTAR®
HOLDING CORPORATION 1 Non-GAAP financial measure; please see appendix for additional details
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