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First National Bank of Missouri

Lees Summit, MO · Cert 26247

FDIC · 49 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 2026-10-10

First National Bank of Missouri

Lees Summit, MO · Cert 26247

FDIC · 49 branches

Q3 2021

$4.1BAssets
$2.1BLoans
$3.4BDeposits
$525.8MEquity
Loan mix
58%RE $870.1M28%C&I $416.2M14%Consumer $201.6MQ3 2020Q3 2021
Deposit mix
60%Interest-bearing $2.0B40%Noninterest $1.3BQ3 2020Q3 2021

NIM

4.15%Q3 ’192.98%Q3 ’202.78%Q3 ’21-26%-5%

Non-interest income vs. expense

2.92%Q3 ’192.09%Q3 ’201.99%Q3 ’21-27%-14%

Market Position · Kansas City, MO-KS · 2021 SOD (annual) · 3.7% share · #6 of 125 inst. · $3.1B of $82.0B

2.4% Jackson
3.2% Johnson
11.1% Clay
24.6% Platte

Executive Summary

  • Earnings: ROA of 1.21%, up 3 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.53% of loans (+6 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 8.58%, up 3 bps from a year ago.
  • Funding: loans stand at 62.26% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.21%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-14 bps YoY

Efficiency Ratio (YTD, annualized)

53.45%-243 bps YoY

Tier 1 Leverage Ratio

8.58%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.18%1.21%1.15%1.16%1.21%+3 bps
Return on Equity8.46%8.74%8.76%8.87%9.28%+82 bps
Net Interest Margin2.99%3.03%3.07%2.88%2.85%-14 bps
Efficiency Ratio55.88%54.31%54.66%54.47%53.45%-243 bps
Non-Interest Burden1.32%1.27%1.29%1.20%1.14%-18 bps
Growth
Asset Growth (YoY)102.61%53.00%57.78%12.30%13.97%-8,865 bps
Loan Growth (YoY)78.55%31.15%33.79%-3.31%-3.12%-8,167 bps
Deposit Growth (YoY)105.03%55.80%61.20%13.34%14.88%-9,015 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.43%0.41%0.61%0.53%+6 bps
Net Charge-Offs / Loans0.15%0.15%0.08%0.04%0.16%0 bps
Allowance / Loans1.07%1.19%1.21%1.26%1.19%+12 bps
Allowance Coverage of NPLs2.3x2.7x2.9x2.1x2.3x0.0x
Capital
Tier 1 Leverage Ratio8.55%8.78%8.46%8.36%8.58%+3 bps
Total Risk-Based Capital13.77%14.34%13.97%14.56%14.72%+95 bps
Equity / Assets13.74%13.66%12.74%12.82%12.86%-88 bps
Liquidity & Funding
Loans / Deposits73.83%71.00%66.66%64.20%62.26%-1,157 bps
Liquid Assets / Assets7.22%8.13%13.98%15.96%18.09%+1,087 bps
CRE / Total Capitaln/an/an/an/an/an/an/a