Doniphan, NE · Cert 19515
FDIC · 3 branches
Q1 2022
Market Position · Grand Island, NE · 2021 SOD (annual) · 1.6% share · #15 of 21 inst. · $0.0B of $3.2B
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.06% | 0.94% | 0.91% | 0.85% | 0.74% | 0.69% | 0.35% | -57 bps | |
| Return on Equity | 10.66% | 9.82% | 8.66% | 8.77% | 8.20% | 7.17% | 6.78% | 3.87% | -490 bps | |
| Net Interest Margin | 3.67% | 3.52% | 3.39% | 3.18% | 3.10% | 2.97% | 2.81% | 2.49% | -69 bps | |
| Efficiency Ratio | 69.33% | 69.68% | 71.39% | 69.78% | 71.10% | 73.98% | 75.23% | 85.83% | +1,604 bps | |
| Non-Interest Burden | 2.41% | 2.31% | 2.30% | 2.05% | 2.08% | 2.08% | 2.00% | 2.08% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.15% | 9.62% | 10.63% | 19.86% | 6.92% | 10.32% | 14.01% | 5.47% | -1,440 bps | |
| Loan Growth (YoY) | -0.32% | -0.47% | -7.89% | -6.74% | -18.82% | -15.04% | -8.75% | -5.57% | +118 bps | |
| Deposit Growth (YoY) | 16.17% | 8.62% | 10.36% | 19.67% | 10.60% | 13.41% | 18.62% | 9.53% | -1,014 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.69% | 0.75% | 0.00% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.27% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.10% | 1.27% | 1.33% | 1.44% | 1.40% | 1.24% | 1.25% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.1x | 1.9x | n/a | 41.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.42% | 9.45% | 9.43% | 8.97% | 8.85% | 8.98% | 8.79% | 8.48% | -48 bps | |
| Total Risk-Based Capital | 13.67% | 13.33% | 11.92% | 12.33% | 12.10% | 11.97% | 11.61% | 12.42% | +9 bps | |
| Equity / Assets | 10.66% | 11.25% | 11.02% | 9.84% | 10.24% | 10.43% | 9.57% | 8.26% | -158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.07% | 88.97% | 73.53% | 66.15% | 63.17% | 66.66% | 56.56% | 57.03% | -912 bps | |
| Liquid Assets / Assets | 8.66% | 3.93% | 11.45% | 14.21% | 6.56% | 0.29% | 24.25% | 24.85% | +1,064 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |