Lees Summit, MO · Cert 26247
FDIC · 49 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.
Lees Summit, MO · Cert 26247
FDIC · 49 branches
Q3 2021
Market Position · Kansas City, MO-KS · 2021 SOD (annual) · 3.7% share · #6 of 125 inst. · $3.1B 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 | 1.38% | 1.25% | 1.15% | 1.18% | 1.21% | 1.15% | 1.16% | 1.21% | +3 bps | |
| Return on Equity | 9.66% | 8.66% | 8.20% | 8.46% | 8.74% | 8.76% | 8.87% | 9.28% | +82 bps | |
| Net Interest Margin | 3.88% | 3.77% | 3.05% | 2.99% | 3.03% | 3.07% | 2.88% | 2.85% | -14 bps | |
| Efficiency Ratio | 58.68% | 56.74% | 56.67% | 55.88% | 54.31% | 54.66% | 54.47% | 53.45% | -243 bps | |
| Non-Interest Burden | 1.72% | 1.69% | 1.41% | 1.32% | 1.27% | 1.29% | 1.20% | 1.14% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.84% | 39.22% | 102.00% | 102.61% | 53.00% | 57.78% | 12.30% | 13.97% | -8,865 bps | |
| Loan Growth (YoY) | 35.34% | 33.49% | 81.03% | 78.55% | 31.15% | 33.79% | -3.31% | -3.12% | -8,167 bps | |
| Deposit Growth (YoY) | 36.63% | 39.43% | 105.57% | 105.03% | 55.80% | 61.20% | 13.34% | 14.88% | -9,015 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.74% | 0.44% | 0.47% | 0.43% | 0.41% | 0.61% | 0.53% | +6 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.37% | 0.19% | 0.15% | 0.15% | 0.08% | 0.04% | 0.16% | 0 bps | |
| Allowance / Loans | 1.16% | 1.17% | 0.98% | 1.07% | 1.19% | 1.21% | 1.26% | 1.19% | +12 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.6x | 2.2x | 2.3x | 2.7x | 2.9x | 2.1x | 2.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.27% | 9.10% | 8.58% | 8.55% | 8.78% | 8.46% | 8.36% | 8.58% | +3 bps | |
| Total Risk-Based Capital | 11.52% | 11.84% | 12.94% | 13.77% | 14.34% | 13.97% | 14.56% | 14.72% | +95 bps | |
| Equity / Assets | 14.58% | 14.29% | 13.50% | 13.74% | 13.66% | 12.74% | 12.82% | 12.86% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.35% | 80.32% | 75.26% | 73.83% | 71.00% | 66.66% | 64.20% | 62.26% | -1,157 bps | |
| Liquid Assets / Assets | 6.61% | 8.11% | 6.44% | 7.22% | 8.13% | 13.98% | 15.96% | 18.09% | +1,087 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |