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Tilden Bank, The

Tilden, NE · Cert 15774

FDIC · 3 branches

Q4 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2020, the quarter ended December 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tilden Bank, The

Tilden, NE · Cert 15774

FDIC · 3 branches

Q4 2020

$92.0MAssets
$58.2MLoans
$82.2MDeposits
$8.6MEquity
Loan mix
85%RE $37.2M11%C&I $4.6M4%Consumer $1.8MQ4 2019Q4 2020
Deposit mix
76%Interest-bearing $62.7M24%Noninterest $19.5MQ4 2019Q4 2020

NIM

4.33%Q4 ’184.49%Q4 ’193.65%Q4 ’200%-17%

Non-interest income vs. expense

2.84%Q4 ’182.88%Q4 ’192.57%Q4 ’20-18%+20%

Executive Summary

  • Earnings: ROA of 0.65%, down 85 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.07%, down 129 bps from a year ago.
  • Funding: loans stand at 70.79% of deposits as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

0.65%-85 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-67 bps YoY

Efficiency Ratio (YTD, annualized)

76.03%+1,549 bps YoY

Tier 1 Leverage Ratio

9.07%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets1.50%1.38%1.08%1.09%0.65%-85 bps
Return on Equity13.59%12.66%10.05%10.23%6.22%-738 bps
Net Interest Margin3.90%3.69%3.42%3.41%3.23%-67 bps
Efficiency Ratio60.54%66.95%73.14%69.38%76.03%+1,549 bps
Non-Interest Burden2.02%2.40%2.45%2.30%2.42%+40 bps
Growth
Asset Growth (YoY)1.96%2.74%7.29%8.64%9.88%+792 bps
Loan Growth (YoY)5.24%-2.76%-1.50%-5.31%-9.18%-1,442 bps
Deposit Growth (YoY)0.31%2.44%11.69%13.89%12.54%+1,223 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.02%0.02%0.01%0.00%0 bps
Net Charge-Offs / Loans-0.07%-0.03%-0.02%-0.02%-0.02%+5 bps
Allowance / Loans1.62%1.70%1.69%1.71%1.80%+18 bps
Allowance Coverage of NPLs259.3x86.8x104.4x261.3x524.5x+265.3x
Capital
Tier 1 Leverage Ratio10.36%10.65%10.43%10.42%9.07%-129 bps
Total Risk-Based Capital13.90%14.73%14.76%15.24%14.22%+32 bps
Equity / Assets10.79%10.97%10.45%10.59%9.34%-145 bps
Liquidity & Funding
Loans / Deposits87.71%81.73%76.83%75.08%70.79%-1,692 bps
Liquid Assets / Assets1.76%12.52%21.17%21.92%0.59%-117 bps
CRE / Total Capitaln/an/an/an/an/an/an/a