Country Club Trust Company, National Association

Kansas City, MO · Cert 57402

FDIC

Q3 2021

$16.5MAssets

n/aLoans

n/aDeposits

$15.9MEquity

Executive Summary

Return on Assets (quarter, annualized)

24.26%+1,102 bps YoY

Net Interest Margin (quarter, annualized)

0.18%-29 bps YoY

Efficiency Ratio (quarter, annualized)

74.52%-1,070 bps YoY

Tier 1 Leverage Ratio

102.33%+51 bps YoY

Discrete quarter, annualized.

Metric	Q4 2019	Q1 2020	Q2 2020	Q3 2020	Q4 2020	Q1 2021	Q2 2021	Q3 2021	YoY Δ	Trend
Earnings
Return on Assets	12.75%	8.62%	8.01%	13.24%	23.21%	17.06%	19.36%	24.26%	+1,102 bps
Return on Equity	13.05%	8.80%	8.27%	13.71%	23.88%	17.50%	19.97%	25.15%	+1,144 bps
Net Interest Margin	1.68%	1.46%	1.05%	0.47%	0.28%	0.26%	0.22%	0.18%	-29 bps
Efficiency Ratio	79.61%	89.10%	90.90%	85.22%	74.85%	81.64%	79.60%	74.52%	-1,070 bps
Non-Interest Burden	-10.27%	-9.18%	-7.43%	-13.62%	-24.24%	-18.30%	-20.20%	-25.38%	-1,176 bps
Growth
Asset Growth (YoY)	-13.29%	-36.38%	-36.60%	-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	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	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	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	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	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	80.56%	100.28%	100.88%	101.82%	103.14%	101.19%	102.40%	102.33%	+51 bps
Total Risk-Based Capital	416%	100.28%	100.88%	101.82%	103.14%	101.19%	102.40%	102.33%	+51 bps
Equity / Assets	98.51%	97.13%	96.67%	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	n/a	n/a	n/a
Liquid Assets / Assets	5.37%	5.37%	5.23%	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	n/a	n/a	n/a