Chadron, NE · Cert 16859
FDIC · 3 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 0.82% | 0.64% | 1.56% | 1.15% | -19 bps | |
| Return on Equity | 8.52% | 5.22% | 4.17% | 10.34% | 7.69% | -83 bps | |
| Net Interest Margin | 3.36% | 3.16% | 2.88% | 2.72% | 2.70% | -66 bps | |
| Efficiency Ratio | 63.20% | 71.20% | 75.00% | 54.57% | 61.57% | -163 bps | |
| Non-Interest Burden | 1.82% | 2.08% | 2.02% | 0.71% | 1.23% | -59 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 / Loans | 0.32% | 0.29% | 0.00% | 0.00% | 0.00% | -32 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.07% | +8 bps | |
| Allowance / Loans | 1.36% | 1.55% | 1.55% | 1.48% | 1.45% | +8 bps | |
| Allowance Coverage of NPLs | 4.3x | 5.4x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.77% | 13.63% | 13.32% | 13.49% | 13.28% | -49 bps | |
| Total Risk-Based Capital | 20.41% | 21.59% | 21.14% | 22.26% | 20.87% | +46 bps | |
| Equity / Assets | 15.64% | 15.62% | 15.17% | 14.98% | 14.84% | -80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.15% | 60.83% | 58.01% | 58.45% | 57.64% | -1,251 bps | |
| Liquid Assets / Assets | 9.88% | 11.15% | 10.83% | 15.88% | 9.74% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |