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Jefferson Bank of Missouri

Jefferson City, MO · Cert 19762

FDIC · 5 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

Jefferson Bank of Missouri

Jefferson City, MO · Cert 19762

FDIC · 5 branches

Q3 2021

$815.8MAssets
$583.9MLoans
$683.3MDeposits
$71.9MEquity
Loan mix
54%RE $284.3M18%C&I $93.3M29%Consumer $153.6MQ3 2020Q3 2021
Deposit mix
67%Interest-bearing $454.6M33%Noninterest $228.7MQ3 2020Q3 2021

NIM

4.53%Q3 ’193.82%Q3 ’203.88%Q3 ’21-12%+7%

Non-interest income vs. expense

2.33%Q3 ’192.10%Q3 ’202.03%Q3 ’21-48%+10%

Market Position · Jefferson City, MO · 2021 SOD (annual) · 11.8% share · #2 of 21 inst. · $0.7B of $5.8B

16.2% Cole
0.1% Boone

Executive Summary

  • Earnings: ROA of 2.23%, up 20 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.23% of loans (-13 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 8.78%, down 39 bps from a year ago.
  • Funding: loans stand at 85.45% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

2.23%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+25 bps YoY

Efficiency Ratio (YTD, annualized)

40.90%-236 bps YoY

Tier 1 Leverage Ratio

8.78%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets2.03%2.02%2.18%2.21%2.23%+20 bps
Return on Equity22.17%22.04%24.21%24.75%25.01%+284 bps
Net Interest Margin3.47%3.48%3.85%3.72%3.72%+25 bps
Efficiency Ratio43.26%42.81%40.37%40.70%40.90%-236 bps
Non-Interest Burden0.71%0.69%0.78%0.77%0.79%+7 bps
Growth
Asset Growth (YoY)18.10%18.19%23.88%7.91%6.38%-1,172 bps
Loan Growth (YoY)22.49%24.59%20.07%8.56%2.93%-1,956 bps
Deposit Growth (YoY)20.76%18.73%24.25%7.76%5.78%-1,498 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.33%0.41%0.26%0.23%-13 bps
Net Charge-Offs / Loans0.09%0.18%0.05%0.03%0.03%-6 bps
Allowance / Loans1.53%1.46%1.52%1.53%1.54%+1 bps
Allowance Coverage of NPLs4.2x4.4x3.7x5.8x6.7x+2.5x
Capital
Tier 1 Leverage Ratio9.17%9.19%9.17%8.90%8.78%-39 bps
Total Risk-Based Capital14.88%14.60%14.69%14.67%14.32%-56 bps
Equity / Assets9.15%9.29%8.73%8.79%8.81%-34 bps
Liquidity & Funding
Loans / Deposits87.81%93.01%86.51%84.87%85.45%-236 bps
Liquid Assets / Assets14.06%8.81%15.35%14.89%14.59%+54 bps
CRE / Total Capitaln/an/an/an/an/an/an/a