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Bank of Doniphan

Doniphan, NE · Cert 19515

FDIC · 3 branches

Q1 2022

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: Q1 2022, the quarter ended March 31, 2022, 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

Bank of Doniphan

Doniphan, NE · Cert 19515

FDIC · 3 branches

Q1 2022

$148.2MAssets
$66.8MLoans
$117.2MDeposits
$12.2MEquity
Loan mix
66%RE $21.3M25%C&I $8.0M9%Consumer $3.0MQ1 2021Q1 2022
Deposit mix
70%Interest-bearing $82.3M30%Noninterest $34.9MQ1 2021Q1 2022

NIM

4.08%Q1 ’203.41%Q1 ’212.64%Q1 ’22-13%-22%

Non-interest income vs. expense

2.99%Q1 ’202.52%Q1 ’212.34%Q1 ’22-21%+1%

Market Position · Grand Island, NE · 2021 SOD (annual) · 1.6% share · #15 of 21 inst. · $0.0B of $3.2B

4.4% Adams
1.8% Hall

Executive Summary

  • Earnings: ROA of 0.35%, down 57 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.48%, down 48 bps from a year ago.
  • Funding: loans stand at 57.03% of deposits as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

0.35%-57 bps YoY

Net Interest Margin (YTD, annualized)

2.49%-69 bps YoY

Efficiency Ratio (YTD, annualized)

85.83%+1,604 bps YoY

Tier 1 Leverage Ratio

8.48%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.91%0.85%0.74%0.69%0.35%-57 bps
Return on Equity8.77%8.20%7.17%6.78%3.87%-490 bps
Net Interest Margin3.18%3.10%2.97%2.81%2.49%-69 bps
Efficiency Ratio69.78%71.10%73.98%75.23%85.83%+1,604 bps
Non-Interest Burden2.05%2.08%2.08%2.00%2.08%+3 bps
Growth
Asset Growth (YoY)19.86%6.92%10.32%14.01%5.47%-1,440 bps
Loan Growth (YoY)-6.74%-18.82%-15.04%-8.75%-5.57%+118 bps
Deposit Growth (YoY)19.67%10.60%13.41%18.62%9.53%-1,014 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.69%0.75%0.00%0.03%+3 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.27%0.00%0 bps
Allowance / Loans1.33%1.44%1.40%1.24%1.25%-8 bps
Allowance Coverage of NPLsn/a2.1x1.9xn/a41.7xn/a
Capital
Tier 1 Leverage Ratio8.97%8.85%8.98%8.79%8.48%-48 bps
Total Risk-Based Capital12.33%12.10%11.97%11.61%12.42%+9 bps
Equity / Assets9.84%10.24%10.43%9.57%8.26%-158 bps
Liquidity & Funding
Loans / Deposits66.15%63.17%66.66%56.56%57.03%-912 bps
Liquid Assets / Assets14.21%6.56%0.29%24.25%24.85%+1,064 bps
CRE / Total Capitaln/an/an/an/an/an/an/a