Scottsbluff, NE · Cert 15586
FDIC · 6 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Scottsbluff, NE · Cert 15586
FDIC · 6 branches
Q3 2021
Market Position · Cheyenne, WY · 2021 SOD (annual) · 2.2% share · #13 of 19 inst. · $0.1B of $2.5B
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.36% | 1.90% | 2.01% | 2.32% | 2.05% | 1.76% | 1.55% | 1.56% | -76 bps | |
| Return on Equity | 23.13% | 19.73% | 20.96% | 24.32% | 21.71% | 18.93% | 16.86% | 16.99% | -733 bps | |
| Net Interest Margin | 3.99% | 4.30% | 3.88% | 3.70% | 3.52% | 3.33% | 3.17% | 3.07% | -63 bps | |
| Efficiency Ratio | 56.19% | 54.36% | 54.48% | 49.73% | 52.85% | 56.26% | 58.25% | 59.14% | +941 bps | |
| Non-Interest Burden | 1.93% | 2.04% | 1.86% | 1.31% | 1.41% | 1.56% | 1.57% | 1.55% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.10% | 38.24% | 14.95% | 7.17% | 18.39% | 14.95% | 8.09% | 8.98% | +180 bps | |
| Loan Growth (YoY) | 19.71% | 19.90% | -0.94% | 3.33% | -1.62% | -4.86% | -5.69% | -6.77% | -1,010 bps | |
| Deposit Growth (YoY) | 40.60% | 38.67% | 10.84% | -2.31% | 9.52% | 6.75% | 3.32% | 9.03% | +1,134 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.54% | 0.07% | 0.21% | 0.10% | 0.10% | 0.16% | 0.13% | -7 bps | |
| Net Charge-Offs / Loans | -0.25% | -0.27% | -0.14% | 0.39% | 0.22% | -0.18% | -0.11% | -0.23% | -62 bps | |
| Allowance / Loans | 2.78% | 2.86% | 2.79% | 2.58% | 2.85% | 3.01% | 2.97% | 3.03% | +45 bps | |
| Allowance Coverage of NPLs | 10.7x | 5.3x | 41.4x | 12.4x | 28.6x | 29.2x | 18.3x | 22.6x | +10.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 9.87% | 9.43% | 9.05% | 9.22% | 9.42% | 9.24% | 9.07% | +1 bps | |
| Total Risk-Based Capital | 12.72% | 12.89% | 9.43% | 9.05% | 9.22% | 9.42% | 9.24% | 9.07% | +1 bps | |
| Equity / Assets | 9.62% | 9.68% | 9.47% | 9.41% | 9.11% | 9.46% | 9.07% | 9.03% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.13% | 76.32% | 72.06% | 77.79% | 67.49% | 68.02% | 65.78% | 66.52% | -1,127 bps | |
| Liquid Assets / Assets | 12.47% | 8.76% | 12.95% | 14.43% | 25.31% | 22.60% | 29.15% | 31.90% | +1,747 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |