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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.36% | 1.25% | 1.34% | 0.82% | 0.64% | 1.56% | 1.15% | -19 bps | |
| Return on Equity | 6.64% | 2.26% | 7.90% | 8.52% | 5.22% | 4.17% | 10.34% | 7.69% | -83 bps | |
| Net Interest Margin | 3.72% | 3.55% | 3.65% | 3.36% | 3.16% | 2.88% | 2.72% | 2.70% | -66 bps | |
| Efficiency Ratio | 67.78% | 67.91% | 63.08% | 63.20% | 71.20% | 75.00% | 54.57% | 61.57% | -163 bps | |
| Non-Interest Burden | 2.30% | 2.22% | 2.04% | 1.82% | 2.08% | 2.02% | 0.71% | 1.23% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.57% | 2.01% | 3.74% | 7.76% | 9.11% | 11.16% | 13.65% | 9.96% | +220 bps | |
| Loan Growth (YoY) | -10.63% | -5.06% | -0.56% | 7.54% | 3.75% | -1.76% | 0.51% | -6.71% | -1,426 bps | |
| Deposit Growth (YoY) | 1.36% | -1.06% | 3.17% | 8.78% | 10.73% | 16.31% | 18.98% | 13.53% | +475 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.26% | 0.32% | 0.29% | 0.00% | 0.00% | 0.00% | -32 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.07% | +8 bps | |
| Allowance / Loans | 1.60% | 1.52% | 1.48% | 1.36% | 1.55% | 1.55% | 1.48% | 1.45% | +8 bps | |
| Allowance Coverage of NPLs | 5.2x | 16.0x | 5.6x | 4.3x | 5.4x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.24% | 14.14% | 14.13% | 13.77% | 13.63% | 13.32% | 13.49% | 13.28% | -49 bps | |
| Total Risk-Based Capital | 20.94% | 20.48% | 20.81% | 20.41% | 21.59% | 21.14% | 22.26% | 20.87% | +46 bps | |
| Equity / Assets | 16.07% | 15.94% | 15.73% | 15.64% | 15.62% | 15.17% | 14.98% | 14.84% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.93% | 68.68% | 69.19% | 70.15% | 60.83% | 58.01% | 58.45% | 57.64% | -1,251 bps | |
| Liquid Assets / Assets | 8.57% | 9.41% | 10.48% | 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 | n/a | n/a | n/a |