Osage Beach, MO · Cert 11000
FDIC · 9 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Osage Beach, MO · Cert 11000
FDIC · 9 branches
Q3 2021
Market Position · Columbia, MO · 2021 SOD (annual) · 0.2% share · #29 of 39 inst. · $0.0B of $6.6B
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.72% | 1.62% | 1.66% | 1.69% | 1.50% | 1.30% | 1.33% | -33 bps | |
| Return on Equity | 18.80% | 18.70% | 18.49% | 19.24% | 19.79% | 18.10% | 16.11% | 16.79% | -245 bps | |
| Net Interest Margin | 3.73% | 3.61% | 3.24% | 2.89% | 2.74% | 2.76% | 2.49% | 2.42% | -47 bps | |
| Efficiency Ratio | 54.13% | 54.51% | 54.72% | 53.68% | 52.39% | 53.45% | 57.78% | 56.47% | +279 bps | |
| Non-Interest Burden | 1.38% | 1.29% | 1.13% | 0.85% | 0.66% | 0.72% | 0.79% | 0.72% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.49% | 1.66% | 22.27% | 20.52% | 28.79% | 37.68% | 17.52% | 15.73% | -479 bps | |
| Loan Growth (YoY) | 11.40% | 12.40% | 14.81% | 9.53% | 5.56% | 1.97% | -2.86% | -1.98% | -1,151 bps | |
| Deposit Growth (YoY) | 5.29% | 0.59% | 23.30% | 25.36% | 29.92% | 40.61% | 18.98% | 16.03% | -933 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.36% | 0.44% | 0.42% | 0.36% | 0.29% | 0.32% | 0.23% | -20 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.03% | 0.03% | 0.03% | 0.08% | 0.06% | 0.05% | 0.04% | +1 bps | |
| Allowance / Loans | 1.80% | 1.75% | 1.70% | 1.76% | 1.82% | 1.83% | 1.83% | 1.83% | +7 bps | |
| Allowance Coverage of NPLs | 4.4x | 4.8x | 3.9x | 4.2x | 5.0x | 6.3x | 5.8x | 8.1x | +3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.79% | 8.80% | 8.30% | 7.88% | 8.04% | 8.28% | 7.57% | 7.44% | -44 bps | |
| Total Risk-Based Capital | 14.42% | 14.59% | 15.21% | 16.24% | 17.24% | 17.49% | 17.21% | 17.23% | +99 bps | |
| Equity / Assets | 8.97% | 9.39% | 8.13% | 8.20% | 8.30% | 8.28% | 7.65% | 7.58% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.25% | 71.73% | 60.27% | 57.67% | 53.83% | 52.02% | 49.21% | 48.72% | -895 bps | |
| Liquid Assets / Assets | 7.00% | 2.04% | 18.51% | 14.24% | 13.17% | 16.08% | 19.80% | 22.21% | +796 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |