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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
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 | 2.32% | 1.90% | 2.15% | 2.86% | 1.33% | 1.76% | 1.37% | 1.56% | -130 bps | |
| Return on Equity | 24.60% | 19.73% | 22.44% | 30.31% | 14.35% | 18.93% | 14.79% | 17.27% | -1,304 bps | |
| Net Interest Margin | 3.83% | 4.30% | 3.88% | 3.64% | 3.18% | 3.33% | 3.09% | 3.04% | -61 bps | |
| Efficiency Ratio | 51.22% | 54.36% | 54.60% | 42.68% | 64.25% | 56.26% | 60.35% | 60.94% | +1,827 bps | |
| Non-Interest Burden | 1.54% | 2.04% | 1.88% | 0.34% | 1.81% | 1.56% | 1.61% | 1.59% | +125 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 | -0.08% | -0.27% | -0.02% | 1.43% | -0.35% | -0.18% | -0.05% | -0.46% | -189 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 |