Warrensburg, MO · Cert 25268
FDIC · 7 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.
Warrensburg, MO · Cert 25268
FDIC · 7 branches
Q3 2021
Market Position · Kansas City, MO-KS · 2021 SOD (annual) · 0.1% share · #86 of 125 inst. · $0.1B of $82.0B
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 | 1.30% | 1.12% | 1.10% | 1.12% | 1.17% | 1.15% | 1.12% | 1.17% | +5 bps | |
| Return on Equity | 9.13% | 7.82% | 7.96% | 8.27% | 8.75% | 9.62% | 9.62% | 10.19% | +192 bps | |
| Net Interest Margin | 3.12% | 2.99% | 2.86% | 2.75% | 2.76% | 2.89% | 2.67% | 2.61% | -13 bps | |
| Efficiency Ratio | 58.86% | 61.71% | 60.87% | 60.38% | 59.26% | 57.90% | 59.06% | 57.82% | -257 bps | |
| Non-Interest Burden | 1.34% | 1.42% | 1.34% | 1.25% | 1.20% | 1.23% | 1.17% | 1.10% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.90% | 1.06% | 14.90% | 15.25% | 15.86% | 31.32% | 17.98% | 23.08% | +783 bps | |
| Loan Growth (YoY) | -3.70% | -1.67% | 17.75% | 21.77% | 31.03% | 29.10% | 13.44% | 13.74% | -803 bps | |
| Deposit Growth (YoY) | 2.95% | 0.24% | 16.89% | 17.66% | 18.50% | 38.21% | 21.76% | 27.38% | +972 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.30% | 2.23% | 0.18% | 0.19% | 0.11% | 0.03% | 0.12% | 0.22% | +2 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.02% | 0.29% | 0.18% | 0.13% | 0.01% | 0.01% | 0.02% | -16 bps | |
| Allowance / Loans | 1.89% | 1.83% | 1.45% | 1.44% | 1.38% | 1.38% | 1.35% | 1.32% | -13 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 7.9x | 7.5x | 12.9x | 44.0x | 11.5x | 6.1x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.92% | 9.87% | 9.48% | 8.75% | 8.96% | 8.58% | 7.97% | 7.97% | -79 bps | |
| Total Risk-Based Capital | 17.54% | 18.84% | 18.51% | 17.75% | 18.17% | 17.91% | 18.74% | 19.16% | +141 bps | |
| Equity / Assets | 14.23% | 14.33% | 13.03% | 12.77% | 12.81% | 11.24% | 11.10% | 11.01% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.00% | 65.11% | 65.95% | 67.40% | 69.66% | 60.82% | 61.45% | 60.18% | -722 bps | |
| Liquid Assets / Assets | 8.08% | 8.69% | 12.56% | 8.05% | 5.25% | 14.54% | 14.22% | 15.50% | +745 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |