Springfield, MO · Cert 17633
FDIC · 24 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.
Springfield, MO · Cert 17633
FDIC · 24 branches
Q3 2021
Market Position · Springfield, MO · 2021 SOD (annual) · 10.8% share · #3 of 36 inst. · $1.6B of $14.6B
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 | 1.37% | 1.25% | 1.18% | 1.26% | 1.31% | 1.29% | 1.34% | 1.41% | +15 bps | |
| Return on Equity | 13.70% | 13.07% | 12.72% | 13.82% | 14.42% | 14.47% | 14.65% | 15.35% | +153 bps | |
| Net Interest Margin | 3.42% | 3.36% | 3.00% | 2.90% | 2.88% | 2.96% | 2.78% | 2.81% | -9 bps | |
| Efficiency Ratio | 59.65% | 62.11% | 62.06% | 59.96% | 58.41% | 59.83% | 58.41% | 56.80% | -317 bps | |
| Non-Interest Burden | 1.51% | 1.62% | 1.43% | 1.21% | 1.13% | 1.18% | 1.03% | 0.98% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.19% | 5.44% | 19.33% | 20.77% | 25.14% | 20.66% | 12.10% | 12.78% | -799 bps | |
| Loan Growth (YoY) | 1.23% | 0.80% | 5.66% | 12.19% | 14.37% | 15.12% | 10.48% | 7.84% | -434 bps | |
| Deposit Growth (YoY) | 6.59% | 5.07% | 21.42% | 22.97% | 27.34% | 22.94% | 11.88% | 11.51% | -1,146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.05% | 0.05% | 0.05% | 0.04% | 0.04% | 0.03% | 0.05% | +1 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.12% | 0.08% | 0.07% | 0.07% | 0.02% | 0.01% | 0.01% | -7 bps | |
| Allowance / Loans | 1.55% | 1.57% | 1.50% | 1.51% | 1.54% | 1.57% | 1.52% | 1.52% | 0 bps | |
| Allowance Coverage of NPLs | 25.5x | 31.1x | 29.6x | 32.7x | 39.0x | 41.8x | 45.9x | 27.9x | -4.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.35% | 8.54% | 8.59% | 8.75% | 8.87% | 9.36% | 9.36% | +77 bps | |
| Total Risk-Based Capital | 12.64% | 12.46% | 12.78% | 13.14% | 13.56% | 14.46% | 14.64% | 14.36% | +122 bps | |
| Equity / Assets | 10.00% | 9.22% | 8.70% | 8.74% | 9.00% | 8.84% | 9.62% | 9.36% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.76% | 80.29% | 78.13% | 77.70% | 78.82% | 75.18% | 77.15% | 75.15% | -256 bps | |
| Liquid Assets / Assets | 3.07% | 9.13% | 6.32% | 7.38% | 7.25% | 11.43% | 9.56% | 12.88% | +550 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |