PackageTrendsPeer
Letter portraitLegal landscape

Country Club Trust Company, National Association

Kansas City, MO · Cert 57402

FDIC

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

Country Club Trust Company, National Association

Kansas City, MO · Cert 57402

FDIC

Q3 2021

$16.5MAssets
n/aLoans
n/aDeposits
$15.9MEquity

NIM

1.75%Q3 ’190.96%Q3 ’200.21%Q3 ’21-45%-79%

Non-interest income vs. expense

50.96%Q3 ’1982.50%Q3 ’2074.70%Q3 ’21-42%-105%

Executive Summary

  • Earnings: ROA of 20.14%, up 1,050 bps year over year; NIM at 0.21%.
  • Capital: tier 1 leverage ratio of 102.33%, up 51 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

20.14%+1,050 bps YoY

Net Interest Margin (YTD, annualized)

0.21%-76 bps YoY

Efficiency Ratio (YTD, annualized)

78.47%-989 bps YoY

Tier 1 Leverage Ratio

102.33%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets9.65%12.93%17.06%18.08%20.14%+1,050 bps
Return on Equity9.92%13.27%17.50%18.60%20.77%+1,086 bps
Net Interest Margin0.96%0.76%0.26%0.23%0.21%-76 bps
Efficiency Ratio88.36%84.75%81.64%80.61%78.47%-989 bps
Non-Interest Burden-9.90%-13.14%-18.30%-18.91%-20.29%-1,039 bps
Growth
Asset Growth (YoY)-36.86%-16.67%7.32%10.42%14.08%+5,094 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio101.82%103.14%101.19%102.40%102.33%+51 bps
Total Risk-Based Capital101.82%103.14%101.19%102.40%102.33%+51 bps
Equity / Assets96.46%97.86%97.12%96.75%96.22%-25 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets5.05%4.83%5.00%3.15%1.49%-356 bps
CRE / Total Capitaln/an/an/an/an/an/an/a