Cameron, MO · Cert 32487
FDIC · 2 branches
Q3 2021
Market Position · Kansas City, MO-KS · 2021 SOD (annual) · 0.1% share · #92 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 | 0.46% | 0.30% | 0.24% | 0.23% | 0.19% | 0.09% | 0.04% | 0.02% | -22 bps | |
| Return on Equity | 4.75% | 2.93% | 2.55% | 2.50% | 2.07% | 1.09% | 0.51% | 0.19% | -230 bps | |
| Net Interest Margin | 3.02% | 2.88% | 2.40% | 2.26% | 2.34% | 2.04% | 1.78% | 1.77% | -49 bps | |
| Efficiency Ratio | 81.67% | 87.44% | 88.81% | 89.03% | 90.77% | 95.14% | 100.87% | 101.46% | +1,244 bps | |
| Non-Interest Burden | 2.43% | 2.49% | 2.11% | 2.00% | 2.11% | 1.93% | 1.80% | 1.80% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.29% | -3.98% | 17.24% | 11.56% | 13.18% | 25.93% | 6.41% | 11.61% | +6 bps | |
| Loan Growth (YoY) | -9.90% | -12.42% | -13.59% | -9.91% | -5.16% | -3.58% | -6.61% | -2.65% | +726 bps | |
| Deposit Growth (YoY) | -4.66% | -1.16% | 4.72% | 5.51% | 7.14% | 20.23% | 11.75% | 16.39% | +1,088 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 1.23% | 0.94% | 0.91% | 0.93% | 0.89% | 0.90% | 0.84% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | -0.06% | -0.02% | -0.02% | -2 bps | |
| Allowance / Loans | 1.11% | 1.17% | 1.19% | 1.19% | 1.15% | 1.21% | 1.26% | 1.21% | +2 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.0x | 1.3x | 1.3x | 1.2x | 1.4x | 1.4x | 1.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 10.50% | 8.89% | 8.50% | 8.75% | 8.73% | 7.92% | 7.87% | -64 bps | |
| Total Risk-Based Capital | 27.99% | 28.95% | 26.09% | 26.51% | 26.79% | 27.72% | 26.70% | 25.79% | -72 bps | |
| Equity / Assets | 10.32% | 10.21% | 8.40% | 8.67% | 9.20% | 8.14% | 7.89% | 7.70% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.05% | 47.83% | 44.83% | 44.73% | 46.08% | 38.36% | 37.46% | 37.41% | -732 bps | |
| Liquid Assets / Assets | 47.10% | 46.40% | 46.13% | 51.32% | 54.40% | 63.37% | 66.64% | 66.93% | +1,561 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |