Springfield, NE · Cert 16379
FDIC · 1 branch
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 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.
Springfield, NE · Cert 16379
FDIC · 1 branch
Q4 2021
Market Position · Omaha-Council Bluffs, NE-IA · 2021 SOD (annual) · 0.2% share · #43 of 72 inst. · $0.1B of $36.8B
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 0.96% | 0.82% | 0.73% | 0.48% | 0.28% | 0.46% | 0.30% | -44 bps | |
| Return on Equity | 11.16% | 8.97% | 8.12% | 7.26% | 4.75% | 2.84% | 4.74% | 3.25% | -401 bps | |
| Net Interest Margin | 3.10% | 2.62% | 2.18% | 2.15% | 2.25% | 2.03% | 2.11% | 2.02% | -13 bps | |
| Efficiency Ratio | 61.48% | 65.22% | 67.07% | 68.20% | 71.21% | 67.71% | 67.07% | 77.52% | +932 bps | |
| Non-Interest Burden | 1.81% | 1.65% | 1.42% | 1.43% | 1.55% | 1.33% | 1.37% | 1.54% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.28% | 11.76% | 28.88% | 18.79% | 18.36% | 14.83% | -3.80% | 25.96% | +716 bps | |
| Loan Growth (YoY) | -6.69% | -2.86% | -2.65% | 6.34% | 3.66% | 11.18% | 7.89% | -9.51% | -1,586 bps | |
| Deposit Growth (YoY) | 7.33% | 12.50% | 32.10% | 20.00% | 19.83% | 16.12% | -4.55% | 29.62% | +962 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.02% | 2.16% | 4.44% | 4.48% | 2.12% | 2.13% | 2.46% | -198 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | 1.95% | 1.32% | 1.16% | +116 bps | |
| Allowance / Loans | 1.76% | 1.78% | 1.80% | 1.89% | 2.05% | 1.41% | 1.44% | 1.69% | -20 bps | |
| Allowance Coverage of NPLs | 83.6x | 86.8x | 0.8x | 0.4x | 0.5x | 0.7x | 0.7x | 0.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.87% | 10.05% | 8.74% | 8.94% | 10.27% | 8.82% | 9.27% | 8.36% | -58 bps | |
| Total Risk-Based Capital | 10.87% | 27.47% | 8.74% | 8.94% | 10.27% | 8.82% | 9.27% | 8.36% | -58 bps | |
| Equity / Assets | 11.21% | 9.93% | 8.66% | 10.19% | 10.14% | 8.97% | 9.40% | 7.63% | -257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.20% | 40.93% | 35.05% | 41.77% | 40.83% | 39.19% | 39.62% | 29.16% | -1,261 bps | |
| Liquid Assets / Assets | 39.27% | 48.46% | 39.02% | 26.24% | 23.50% | 28.71% | 28.91% | 44.11% | +1,787 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |