Branson, MO · Cert 16924
FDIC · 6 branches
Q3 2021
Market Position · Columbia, MO · 2021 SOD (annual) · 0.1% share · #35 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 | 1.53% | 1.36% | 1.34% | 1.50% | 1.49% | 1.10% | 1.02% | 1.20% | -30 bps | |
| Return on Equity | 14.92% | 13.31% | 13.45% | 15.65% | 16.19% | 12.63% | 12.02% | 14.70% | -95 bps | |
| Net Interest Margin | 3.85% | 3.58% | 3.26% | 3.04% | 2.97% | 2.71% | 2.47% | 2.45% | -59 bps | |
| Efficiency Ratio | 56.90% | 61.19% | 59.67% | 56.16% | 54.85% | 61.87% | 61.22% | 57.52% | +136 bps | |
| Non-Interest Burden | 1.60% | 1.78% | 1.45% | 1.06% | 0.92% | 1.23% | 1.07% | 0.88% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.71% | 2.49% | 14.25% | 20.13% | 29.49% | 40.66% | 42.34% | 37.21% | +1,708 bps | |
| Loan Growth (YoY) | 4.29% | 0.29% | 7.31% | 6.38% | 6.16% | 10.32% | 3.98% | 1.09% | -529 bps | |
| Deposit Growth (YoY) | 5.46% | 3.60% | 16.55% | 23.90% | 33.62% | 44.95% | 43.50% | 35.99% | +1,209 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.90% | 1.82% | 1.92% | 1.87% | 1.81% | 1.36% | 1.27% | 1.29% | -58 bps | |
| Net Charge-Offs / Loans | 0.15% | -0.19% | 0.00% | 0.00% | 0.15% | -0.04% | 0.12% | 0.03% | +3 bps | |
| Allowance / Loans | 1.86% | 1.94% | 1.85% | 1.91% | 1.93% | 1.92% | 1.89% | 1.96% | +5 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.0x | 1.0x | 1.1x | 1.4x | 1.5x | 1.5x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.28% | 10.12% | 9.54% | 9.04% | 9.17% | 8.67% | 9.02% | 7.85% | -119 bps | |
| Total Risk-Based Capital | 14.67% | 15.08% | 15.62% | 16.55% | 17.40% | 17.56% | 19.72% | 18.06% | +152 bps | |
| Equity / Assets | 9.96% | 10.50% | 9.54% | 9.65% | 8.79% | 8.57% | 8.35% | 7.97% | -168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.70% | 83.33% | 76.81% | 74.87% | 64.12% | 63.42% | 55.66% | 55.65% | -1,922 bps | |
| Liquid Assets / Assets | 6.34% | 1.48% | 6.97% | 5.83% | 14.43% | 15.55% | 25.02% | 21.50% | +1,567 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |