Axtell, NE · Cert 17444
FDIC · 1 branch
Q3 2022
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.17% | -0.08% | -0.25% | 0.59% | +65 bps | |
| Return on Equity | -0.59% | -1.80% | -1.26% | -5.87% | 20.22% | +2,081 bps | |
| Net Interest Margin | 2.66% | 2.53% | 2.15% | 2.24% | 2.47% | -19 bps | |
| Efficiency Ratio | 101.97% | 106.13% | 103.28% | 114.39% | 87.56% | -1,441 bps | |
| Non-Interest Burden | 2.72% | 2.70% | 2.23% | 2.60% | 2.14% | -58 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.09% | 26.54% | 13.29% | 10.14% | -4.11% | -2,020 bps | |
| Loan Growth (YoY) | -2.31% | 54.01% | 7.44% | -29.33% | -25.39% | -2,308 bps | |
| Deposit Growth (YoY) | 18.93% | 31.92% | 20.74% | 20.30% | 7.57% | -1,136 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.18% | 2.25% | 2.33% | 3.13% | 2.92% | +74 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.85% | 7.78% | 7.32% | 6.86% | 7.36% | -49 bps | |
| Total Risk-Based Capital | 27.13% | 26.59% | 24.05% | 21.91% | 24.53% | -260 bps | |
| Equity / Assets | 9.17% | 9.10% | 4.00% | 0.53% | -1.54% | -1,070 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 18.43% | 18.36% | 14.97% | 9.76% | 12.78% | -565 bps | |
| Liquid Assets / Assets | 14.04% | 11.41% | 14.68% | 12.94% | 6.57% | -747 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |