Kansas City, MO · Cert 57402
FDIC
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 9.65% | 12.93% | 17.06% | 18.08% | 20.14% | +1,050 bps | |
| Return on Equity | 9.92% | 13.27% | 17.50% | 18.60% | 20.77% | +1,086 bps | |
| Net Interest Margin | 0.96% | 0.76% | 0.26% | 0.23% | 0.21% | -76 bps | |
| Efficiency Ratio | 88.36% | 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/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 101.82% | 103.14% | 101.19% | 102.40% | 102.33% | +51 bps | |
| Total Risk-Based Capital | 101.82% | 103.14% | 101.19% | 102.40% | 102.33% | +51 bps | |
| Equity / Assets | 96.46% | 97.86% | 97.12% | 96.75% | 96.22% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 5.05% | 4.83% | 5.00% | 3.15% | 1.49% | -356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |