Ashton, NE · Cert 1436
FDIC · 1 branch
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, 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.
Ashton, NE · Cert 1436
FDIC · 1 branch
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.82% | -1.56% | -0.82% | -0.59% | -0.59% | 0.79% | -0.63% | 0.38% | +97 bps | |
| Return on Equity | -18.18% | -18.45% | -9.78% | -7.02% | -7.03% | 9.68% | -7.75% | 4.55% | +1,157 bps | |
| Net Interest Margin | 2.96% | 2.61% | 2.94% | 3.28% | 3.52% | 3.04% | 3.09% | 3.26% | -2 bps | |
| Efficiency Ratio | 123.32% | 154.23% | 129.52% | 116.22% | 115.97% | 71.52% | 118.07% | 89.93% | -2,628 bps | |
| Non-Interest Burden | 3.69% | 4.11% | 3.85% | 3.84% | 4.11% | 2.14% | 3.69% | 2.84% | -100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 12.75% | 1.30% | 1.21% | 0.50% | -0.42% | -3.00% | -2.81% | -403 bps | |
| Loan Growth (YoY) | 0.92% | -3.73% | -13.37% | -14.25% | -14.63% | -16.88% | -15.86% | -10.12% | +412 bps | |
| Deposit Growth (YoY) | 9.46% | 21.42% | 3.78% | 0.58% | -2.71% | -0.43% | 3.04% | -2.84% | -341 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 21.96% | 21.38% | 14.76% | 11.21% | 12.48% | 12.00% | 12.00% | 11.65% | +44 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.00% | 0.00% | 2.14% | 1.69% | 0.00% | -0.09% | -0.15% | -229 bps | |
| Allowance / Loans | 3.40% | 3.73% | 3.79% | 2.37% | 2.85% | 3.13% | 3.14% | 3.16% | +79 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.3x | 0.2x | 0.2x | 0.3x | 0.3x | 0.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.78% | 8.14% | 8.18% | 8.30% | 8.45% | 8.06% | 7.76% | 8.67% | +38 bps | |
| Total Risk-Based Capital | 11.07% | 11.01% | 15.08% | 18.21% | 16.96% | 22.42% | 19.07% | 20.72% | +252 bps | |
| Equity / Assets | 8.94% | 8.02% | 8.29% | 8.52% | 8.29% | 8.06% | 8.05% | 8.91% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.14% | 72.90% | 79.66% | 74.69% | 72.08% | 60.85% | 65.05% | 69.09% | -560 bps | |
| Liquid Assets / Assets | 20.56% | 27.92% | 26.48% | 26.02% | 29.85% | 34.81% | 34.50% | 35.49% | +947 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |