Tilden, NE · Cert 15774
FDIC · 3 branches
Q4 2020
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.38% | 0.80% | 1.12% | -0.64% | -180 bps | |
| Return on Equity | 10.27% | 12.66% | 7.47% | 10.61% | -6.38% | -1,665 bps | |
| Net Interest Margin | 3.83% | 3.69% | 3.30% | 3.57% | 3.02% | -81 bps | |
| Efficiency Ratio | 65.09% | 66.95% | 79.79% | 62.35% | 99.15% | +3,406 bps | |
| Non-Interest Burden | 2.36% | 2.40% | 2.59% | 2.15% | 2.99% | +63 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 / Loans | 0.01% | 0.02% | 0.02% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | -0.02% | -0.01% | -0.03% | -1 bps | |
| Allowance / Loans | 1.62% | 1.70% | 1.69% | 1.71% | 1.80% | +18 bps | |
| Allowance Coverage of NPLs | 259.3x | 86.8x | 104.4x | 261.3x | 524.5x | +265.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.36% | 10.65% | 10.43% | 10.42% | 9.07% | -129 bps | |
| Total Risk-Based Capital | 13.90% | 14.73% | 14.76% | 15.24% | 14.22% | +32 bps | |
| Equity / Assets | 10.79% | 10.97% | 10.45% | 10.59% | 9.34% | -145 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.71% | 81.73% | 76.83% | 75.08% | 70.79% | -1,692 bps | |
| Liquid Assets / Assets | 1.76% | 12.52% | 21.17% | 21.92% | 0.59% | -117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |