Columbia, MO · Cert 4536
FDIC · 16 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.
Columbia, MO · Cert 4536
FDIC · 16 branches
Q3 2021
Market Position · Columbia, MO · 2021 SOD (annual) · 32.6% share · #1 of 39 inst. · $2.2B of $6.6B
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 | 1.53% | 1.41% | 1.37% | 1.47% | 1.45% | 1.21% | 1.22% | 1.26% | -21 bps | |
| Return on Equity | 17.88% | 15.69% | 15.33% | 16.54% | 16.84% | 15.47% | 15.37% | 15.66% | -88 bps | |
| Net Interest Margin | 3.01% | 3.03% | 2.88% | 2.68% | 2.43% | 2.22% | 2.21% | 2.14% | -54 bps | |
| Efficiency Ratio | 50.09% | 53.54% | 53.18% | 51.67% | 51.26% | 53.63% | 54.18% | 53.52% | +185 bps | |
| Non-Interest Burden | 0.85% | 1.01% | 0.92% | 0.68% | 0.57% | 0.57% | 0.56% | 0.49% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.49% | 0.53% | 9.76% | 9.39% | 24.75% | 33.92% | 19.18% | 18.07% | +868 bps | |
| Loan Growth (YoY) | 6.02% | 4.85% | 12.71% | 6.51% | 8.33% | 7.65% | -1.64% | -1.77% | -828 bps | |
| Deposit Growth (YoY) | 7.26% | -0.20% | 10.01% | 10.24% | 25.90% | 38.01% | 20.47% | 22.30% | +1,205 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.08% | 0.06% | 0.08% | 0.07% | 0.05% | 0.05% | 0.07% | -1 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.16% | 0.20% | 0.14% | 0.12% | -0.02% | -0.03% | 0.01% | -13 bps | |
| Allowance / Loans | 1.45% | 1.44% | 1.37% | 1.42% | 1.43% | 1.45% | 1.49% | 1.49% | +7 bps | |
| Allowance Coverage of NPLs | 4.9x | 18.8x | 22.0x | 18.0x | 19.4x | 26.9x | 31.3x | 22.5x | +4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.46% | 8.69% | 8.62% | 8.40% | 7.84% | 7.64% | 7.86% | 8.00% | -40 bps | |
| Total Risk-Based Capital | 13.20% | 13.01% | 13.53% | 14.14% | 14.04% | 14.35% | 14.86% | 15.76% | +161 bps | |
| Equity / Assets | 8.49% | 9.54% | 8.91% | 8.72% | 7.60% | 8.06% | 8.25% | 8.31% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.17% | 81.01% | 77.09% | 73.95% | 61.24% | 63.19% | 62.94% | 59.40% | -1,455 bps | |
| Liquid Assets / Assets | 10.67% | 3.90% | 11.04% | 4.92% | 13.75% | 8.38% | 11.47% | 16.26% | +1,135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |