Tilden, NE · Cert 15774
FDIC · 3 branches
Q4 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.84% | 1.61% | 1.50% | 1.38% | 1.08% | 1.09% | 0.65% | -85 bps | |
| Return on Equity | 9.14% | 17.02% | 14.52% | 13.59% | 12.66% | 10.05% | 10.23% | 6.22% | -738 bps | |
| Net Interest Margin | 3.89% | 3.94% | 3.91% | 3.90% | 3.69% | 3.42% | 3.41% | 3.23% | -67 bps | |
| Efficiency Ratio | 70.98% | 56.33% | 59.24% | 60.54% | 66.95% | 73.14% | 69.38% | 76.03% | +1,549 bps | |
| Non-Interest Burden | 2.66% | 1.60% | 1.90% | 2.02% | 2.40% | 2.45% | 2.30% | 2.42% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.31% | 1.05% | 2.61% | 1.96% | 2.74% | 7.29% | 8.64% | 9.88% | +792 bps | |
| Loan Growth (YoY) | 7.42% | 7.59% | 3.22% | 5.24% | -2.76% | -1.50% | -5.31% | -9.18% | -1,442 bps | |
| Deposit Growth (YoY) | -6.59% | -3.31% | -0.86% | 0.31% | 2.44% | 11.69% | 13.89% | 12.54% | +1,223 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.05% | 0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.13% | -0.09% | -0.07% | -0.03% | -0.02% | -0.02% | -0.02% | +5 bps | |
| Allowance / Loans | 1.57% | 1.64% | 1.60% | 1.62% | 1.70% | 1.69% | 1.71% | 1.80% | +18 bps | |
| Allowance Coverage of NPLs | 17.7x | 30.3x | 206.8x | 259.3x | 86.8x | 104.4x | 261.3x | 524.5x | +265.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.80% | 11.34% | 11.44% | 10.36% | 10.65% | 10.43% | 10.42% | 9.07% | -129 bps | |
| Total Risk-Based Capital | 14.35% | 15.19% | 15.32% | 13.90% | 14.73% | 14.76% | 15.24% | 14.22% | +32 bps | |
| Equity / Assets | 10.79% | 11.44% | 11.82% | 10.79% | 10.97% | 10.45% | 10.59% | 9.34% | -145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.11% | 87.11% | 90.31% | 87.71% | 81.73% | 76.83% | 75.08% | 70.79% | -1,692 bps | |
| Liquid Assets / Assets | 0.70% | 1.25% | 0.63% | 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 | n/a | n/a | n/a |