Jefferson City, MO · Cert 19762
FDIC · 5 branches
Q3 2021
Market Position · Jefferson City, MO · 2021 SOD (annual) · 11.8% share · #2 of 21 inst. · $0.7B of $5.8B
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 | 1.64% | 1.85% | 1.97% | 2.22% | 1.97% | 2.18% | 2.22% | 2.23% | +1 bps | |
| Return on Equity | 17.95% | 19.64% | 21.80% | 25.01% | 21.41% | 24.21% | 25.37% | 25.37% | +37 bps | |
| Net Interest Margin | 3.92% | 3.92% | 3.66% | 3.56% | 3.59% | 3.85% | 3.79% | 3.78% | +22 bps | |
| Efficiency Ratio | 50.61% | 47.57% | 43.24% | 40.00% | 41.51% | 40.37% | 41.01% | 41.29% | +129 bps | |
| Non-Interest Burden | 1.54% | 1.33% | 0.78% | 0.25% | 0.64% | 0.78% | 0.79% | 0.84% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.62% | 7.84% | 22.75% | 18.10% | 18.19% | 23.88% | 7.91% | 6.38% | -1,172 bps | |
| Loan Growth (YoY) | 9.64% | 11.40% | 20.20% | 22.49% | 24.59% | 20.07% | 8.56% | 2.93% | -1,956 bps | |
| Deposit Growth (YoY) | 10.63% | 8.45% | 24.07% | 20.76% | 18.73% | 24.25% | 7.76% | 5.78% | -1,498 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.60% | 0.44% | 0.36% | 0.33% | 0.41% | 0.26% | 0.23% | -13 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.16% | 0.05% | 0.07% | 0.46% | 0.05% | 0.01% | 0.02% | -5 bps | |
| Allowance / Loans | 1.54% | 1.53% | 1.49% | 1.53% | 1.46% | 1.52% | 1.53% | 1.54% | +1 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.6x | 3.3x | 4.2x | 4.4x | 3.7x | 5.8x | 6.7x | +2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.11% | 9.59% | 8.94% | 9.17% | 9.19% | 9.17% | 8.90% | 8.78% | -39 bps | |
| Total Risk-Based Capital | 12.93% | 13.23% | 13.96% | 14.88% | 14.60% | 14.69% | 14.67% | 14.32% | -56 bps | |
| Equity / Assets | 9.38% | 9.47% | 8.63% | 9.15% | 9.29% | 8.73% | 8.79% | 8.81% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.64% | 89.53% | 84.25% | 87.81% | 93.01% | 86.51% | 84.87% | 85.45% | -236 bps | |
| Liquid Assets / Assets | 3.09% | 5.33% | 14.11% | 14.06% | 8.81% | 15.35% | 14.89% | 14.59% | +54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |