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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.72% | 1.60% | 1.69% | 1.76% | 1.50% | 1.11% | 1.39% | -30 bps | |
| Return on Equity | 18.44% | 18.70% | 18.43% | 20.66% | 21.35% | 18.10% | 13.94% | 18.27% | -239 bps | |
| Net Interest Margin | 3.78% | 3.61% | 3.25% | 2.84% | 2.60% | 2.76% | 2.36% | 2.48% | -36 bps | |
| Efficiency Ratio | 52.82% | 54.51% | 54.91% | 51.88% | 48.90% | 53.45% | 62.39% | 53.94% | +205 bps | |
| Non-Interest Burden | 1.25% | 1.29% | 1.09% | 0.52% | 0.18% | 0.72% | 0.89% | 0.64% | +12 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 | 0.21% | 0.03% | 0.04% | 0.02% | 0.22% | 0.06% | 0.05% | 0.01% | -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 |