Kansas City, MO · Cert 57402
FDIC
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 13.24% | 23.21% | 17.06% | 19.36% | 24.26% | +1,102 bps | |
| Return on Equity | 13.71% | 23.88% | 17.50% | 19.97% | 25.15% | +1,144 bps | |
| Net Interest Margin | 0.47% | 0.28% | 0.26% | 0.22% | 0.18% | -29 bps | |
| Efficiency Ratio | 85.22% | 74.85% | 81.64% | 79.60% | 74.52% | -1,070 bps | |
| Non-Interest Burden | -13.62% | -24.24% | -18.30% | -20.20% | -25.38% | -1,176 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 |