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City Bank and Trust Company of Moberly

Moberly, MO · Cert 15142

FDIC · 4 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

City Bank and Trust Company of Moberly

Moberly, MO · Cert 15142

FDIC · 4 branches

Q3 2021

$257.1MAssets
$99.3MLoans
$226.7MDeposits
$18.4MEquity
Loan mix
59%RE $47.1M17%C&I $13.6M24%Consumer $19.5MQ3 2020Q3 2021
Deposit mix
73%Interest-bearing $165.1M27%Noninterest $61.7MQ3 2020Q3 2021

NIM

3.84%Q3 ’193.03%Q3 ’202.22%Q3 ’21-13%-23%

Non-interest income vs. expense

2.14%Q3 ’192.12%Q3 ’201.90%Q3 ’21-14%-21%

Market Position · Columbia, MO · 2021 SOD (annual) · 0.0% share · #37 of 39 inst. · $0.0B of $6.6B

39.0% Randolph
0.0% Boone

Executive Summary

  • Earnings: ROA of 0.98%, down 25 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.06% of loans (-1 bps YoY), with net recoveries of 0.10%.
  • Capital: tier 1 leverage ratio of 7.21%, down 69 bps from a year ago.
  • Funding: loans stand at 43.81% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.98%-25 bps YoY

Net Interest Margin (YTD, annualized)

2.12%-64 bps YoY

Efficiency Ratio (YTD, annualized)

60.97%+434 bps YoY

Tier 1 Leverage Ratio

7.21%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.23%1.29%1.03%0.97%0.98%-25 bps
Return on Equity14.53%15.43%13.51%12.90%13.18%-135 bps
Net Interest Margin2.77%2.69%2.29%2.22%2.12%-64 bps
Efficiency Ratio56.63%55.48%60.52%61.79%60.97%+434 bps
Non-Interest Burden1.15%1.01%0.95%0.97%0.91%-24 bps
Growth
Asset Growth (YoY)15.70%15.22%15.98%11.26%20.15%+445 bps
Loan Growth (YoY)1.41%0.48%0.49%-11.39%-11.26%-1,267 bps
Deposit Growth (YoY)17.38%18.00%19.53%14.85%24.55%+716 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.06%0.05%0.03%0.06%-1 bps
Net Charge-Offs / Loans-0.09%-0.12%-0.07%-0.10%-0.10%-1 bps
Allowance / Loans1.71%1.86%1.89%2.02%2.10%+39 bps
Allowance Coverage of NPLs22.5x32.9x40.1x64.0x34.2x+11.7x
Capital
Tier 1 Leverage Ratio7.90%7.91%7.50%7.30%7.21%-69 bps
Total Risk-Based Capital15.46%16.01%16.92%17.73%18.43%+297 bps
Equity / Assets8.15%7.76%7.51%7.40%7.17%-98 bps
Liquidity & Funding
Loans / Deposits61.49%53.47%51.89%48.72%43.81%-1,768 bps
Liquid Assets / Assets10.59%13.81%21.23%22.08%25.91%+1,532 bps
CRE / Total Capitaln/an/an/an/an/an/an/a