PackageTrendsPeer
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Boone County National Bank of Columbia, The

Columbia, MO · Cert 4536

FDIC · 16 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 2026-10-11

Boone County National Bank of Columbia, The

Columbia, MO · Cert 4536

FDIC · 16 branches

Q3 2021

$2.8BAssets
$1.3BLoans
$2.3BDeposits
$232.7MEquity
Loan mix
76%RE $810.0M14%C&I $150.5M10%Consumer $101.2MQ3 2020Q3 2021
Deposit mix
54%Interest-bearing $1.2B46%Noninterest $1.0BQ3 2020Q3 2021

NIM

3.58%Q3 ’192.87%Q3 ’202.22%Q3 ’21-13%-20%

Non-interest income vs. expense

2.20%Q3 ’192.12%Q3 ’201.88%Q3 ’21-25%-28%

Market Position · Columbia, MO · 2021 SOD (annual) · 32.6% share · #1 of 39 inst. · $2.2B of $6.6B

35.9% Boone
14.1% Cooper

Executive Summary

  • Earnings: ROA of 1.26%, down 21 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.07% of loans (-1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.00%, down 40 bps from a year ago.
  • Funding: loans stand at 59.40% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.26%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.14%-54 bps YoY

Efficiency Ratio (YTD, annualized)

53.52%+185 bps YoY

Tier 1 Leverage Ratio

8.00%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.47%1.45%1.21%1.22%1.26%-21 bps
Return on Equity16.54%16.84%15.47%15.37%15.66%-88 bps
Net Interest Margin2.68%2.43%2.22%2.21%2.14%-54 bps
Efficiency Ratio51.67%51.26%53.63%54.18%53.52%+185 bps
Non-Interest Burden0.68%0.57%0.57%0.56%0.49%-19 bps
Growth
Asset Growth (YoY)9.39%24.75%33.92%19.18%18.07%+868 bps
Loan Growth (YoY)6.51%8.33%7.65%-1.64%-1.77%-828 bps
Deposit Growth (YoY)10.24%25.90%38.01%20.47%22.30%+1,205 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.07%0.05%0.05%0.07%-1 bps
Net Charge-Offs / Loans0.14%0.12%-0.02%-0.03%0.01%-13 bps
Allowance / Loans1.42%1.43%1.45%1.49%1.49%+7 bps
Allowance Coverage of NPLs18.0x19.4x26.9x31.3x22.5x+4.5x
Capital
Tier 1 Leverage Ratio8.40%7.84%7.64%7.86%8.00%-40 bps
Total Risk-Based Capital14.14%14.04%14.35%14.86%15.76%+161 bps
Equity / Assets8.72%7.60%8.06%8.25%8.31%-42 bps
Liquidity & Funding
Loans / Deposits73.95%61.24%63.19%62.94%59.40%-1,455 bps
Liquid Assets / Assets4.92%13.75%8.38%11.47%16.26%+1,135 bps
CRE / Total Capitaln/an/an/an/an/an/an/a