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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.43% | 1.29% | 1.39% | 1.56% | +16 bps | |
| Return on Equity | 15.96% | 16.12% | 14.47% | 15.01% | 16.40% | +44 bps | |
| Net Interest Margin | 2.92% | 3.03% | 2.96% | 2.77% | 2.95% | +3 bps | |
| Efficiency Ratio | 56.39% | 54.18% | 59.83% | 57.00% | 53.79% | -260 bps | |
| Non-Interest Burden | 0.88% | 0.96% | 1.18% | 0.95% | 0.91% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.77% | 25.14% | 20.66% | 12.10% | 12.78% | -799 bps | |
| Loan Growth (YoY) | 12.19% | 14.37% | 15.12% | 10.48% | 7.84% | -434 bps | |
| Deposit Growth (YoY) | 22.97% | 27.34% | 22.94% | 11.88% | 11.51% | -1,146 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.04% | 0.04% | 0.03% | 0.05% | +1 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.07% | 0.02% | 0.01% | 0.00% | -6 bps | |
| Allowance / Loans | 1.51% | 1.54% | 1.57% | 1.52% | 1.52% | 0 bps | |
| Allowance Coverage of NPLs | 32.7x | 39.0x | 41.8x | 45.9x | 27.9x | -4.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.59% | 8.75% | 8.87% | 9.36% | 9.36% | +77 bps | |
| Total Risk-Based Capital | 13.14% | 13.56% | 14.46% | 14.64% | 14.36% | +122 bps | |
| Equity / Assets | 8.74% | 9.00% | 8.84% | 9.62% | 9.36% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.70% | 78.82% | 75.18% | 77.15% | 75.15% | -256 bps | |
| Liquid Assets / Assets | 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 |