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Central Bank of Lake of the Ozarks

Osage Beach, MO · Cert 11000

FDIC · 9 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Central Bank of Lake of the Ozarks

Osage Beach, MO · Cert 11000

FDIC · 9 branches

Q3 2021

$1.1BAssets
$488.4MLoans
$1.0BDeposits
$86.7MEquity
Loan mix
79%RE $346.3M10%C&I $42.2M11%Consumer $50.1MQ3 2020Q3 2021
Deposit mix
61%Interest-bearing $611.4M39%Noninterest $391.0MQ3 2020Q3 2021

NIM

4.21%Q3 ’193.16%Q3 ’202.53%Q3 ’21-22%-16%

Non-interest income vs. expense

2.75%Q3 ’192.37%Q3 ’202.21%Q3 ’21-40%-15%

Market Position · Columbia, MO · 2021 SOD (annual) · 0.2% share · #29 of 39 inst. · $0.0B of $6.6B

45.4% Camden
23.9% Miller
20.1% Morgan
0.2% Boone

Executive Summary

  • Earnings: ROA of 1.33%, down 33 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 0.23% of loans (-20 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 7.44%, down 44 bps from a year ago.
  • Funding: loans stand at 48.72% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.33%-33 bps YoY

Net Interest Margin (YTD, annualized)

2.42%-47 bps YoY

Efficiency Ratio (YTD, annualized)

56.47%+279 bps YoY

Tier 1 Leverage Ratio

7.44%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.66%1.69%1.50%1.30%1.33%-33 bps
Return on Equity19.24%19.79%18.10%16.11%16.79%-245 bps
Net Interest Margin2.89%2.74%2.76%2.49%2.42%-47 bps
Efficiency Ratio53.68%52.39%53.45%57.78%56.47%+279 bps
Non-Interest Burden0.85%0.66%0.72%0.79%0.72%-13 bps
Growth
Asset Growth (YoY)20.52%28.79%37.68%17.52%15.73%-479 bps
Loan Growth (YoY)9.53%5.56%1.97%-2.86%-1.98%-1,151 bps
Deposit Growth (YoY)25.36%29.92%40.61%18.98%16.03%-933 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.36%0.29%0.32%0.23%-20 bps
Net Charge-Offs / Loans0.03%0.08%0.06%0.05%0.04%+1 bps
Allowance / Loans1.76%1.82%1.83%1.83%1.83%+7 bps
Allowance Coverage of NPLs4.2x5.0x6.3x5.8x8.1x+3.9x
Capital
Tier 1 Leverage Ratio7.88%8.04%8.28%7.57%7.44%-44 bps
Total Risk-Based Capital16.24%17.24%17.49%17.21%17.23%+99 bps
Equity / Assets8.20%8.30%8.28%7.65%7.58%-63 bps
Liquidity & Funding
Loans / Deposits57.67%53.83%52.02%49.21%48.72%-895 bps
Liquid Assets / Assets14.24%13.17%16.08%19.80%22.21%+796 bps
CRE / Total Capitaln/an/an/an/an/an/an/a