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First National Bank of Chadron

Chadron, NE · Cert 16859

FDIC · 3 branches

Q2 2021

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: Q2 2021, the quarter ended June 30, 2021, 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

First National Bank of Chadron

Chadron, NE · Cert 16859

FDIC · 3 branches

Q2 2021

$150.2MAssets
$66.0MLoans
$114.5MDeposits
$22.3MEquity
Loan mix
76%RE $25.2M20%C&I $6.5M4%Consumer $1.4MQ2 2020Q2 2021
Deposit mix
83%Interest-bearing $94.6M17%Noninterest $19.9MQ2 2020Q2 2021

NIM

4.54%Q2 ’194.12%Q2 ’203.09%Q2 ’21-10%-22%

Non-interest income vs. expense

2.69%Q2 ’192.52%Q2 ’202.27%Q2 ’21-14%-49%

Executive Summary

  • Earnings: ROA of 1.35%, up 6 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (-32 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 13.28%, down 49 bps from a year ago.
  • Funding: loans stand at 57.64% of deposits as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

1.35%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.66%-77 bps YoY

Efficiency Ratio (YTD, annualized)

57.87%-527 bps YoY

Tier 1 Leverage Ratio

13.28%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets1.29%1.13%1.00%1.56%1.35%+6 bps
Return on Equity8.17%7.18%6.42%10.34%9.01%+83 bps
Net Interest Margin3.42%3.29%3.11%2.72%2.66%-77 bps
Efficiency Ratio63.14%65.65%67.75%54.57%57.87%-527 bps
Non-Interest Burden1.88%1.92%1.91%0.71%0.95%-93 bps
Growth
Asset Growth (YoY)7.76%9.11%11.16%13.65%9.96%+220 bps
Loan Growth (YoY)7.54%3.75%-1.76%0.51%-6.71%-1,426 bps
Deposit Growth (YoY)8.78%10.73%16.31%18.98%13.53%+475 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.29%0.00%0.00%0.00%-32 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.04%+4 bps
Allowance / Loans1.36%1.55%1.55%1.48%1.45%+8 bps
Allowance Coverage of NPLs4.3x5.4xn/an/an/an/a
Capital
Tier 1 Leverage Ratio13.77%13.63%13.32%13.49%13.28%-49 bps
Total Risk-Based Capital20.41%21.59%21.14%22.26%20.87%+46 bps
Equity / Assets15.64%15.62%15.17%14.98%14.84%-80 bps
Liquidity & Funding
Loans / Deposits70.15%60.83%58.01%58.45%57.64%-1,251 bps
Liquid Assets / Assets9.88%11.15%10.83%15.88%9.74%-15 bps
CRE / Total Capitaln/an/an/an/an/an/an/a