Sidney, NE · Cert 25127
FDIC · 11 branches
Q4 2019
Market Position · Cheyenne, WY · 2019 SOD (annual) · 1.8% share · #15 of 18 inst. · $0.0B of $1.8B
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 1.48% | 1.43% | 1.41% | 1.45% | 0 bps | |
| Return on Equity | 14.82% | 14.56% | 13.78% | 13.56% | 13.82% | -101 bps | |
| Net Interest Margin | 3.43% | 3.45% | 3.37% | 3.38% | 3.39% | -5 bps | |
| Efficiency Ratio | 60.75% | 59.80% | 61.16% | 61.62% | 60.80% | +5 bps | |
| Non-Interest Burden | 1.94% | 1.92% | 1.92% | 1.94% | 1.92% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.04% | -1.88% | 1.14% | 3.59% | 2.27% | -477 bps | |
| Loan Growth (YoY) | 22.17% | 6.57% | 2.88% | 1.40% | -0.30% | -2,248 bps | |
| Deposit Growth (YoY) | 6.77% | -2.02% | 2.06% | 0.96% | 1.54% | -523 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.21% | 0.62% | 0.02% | 0.01% | -8 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.01% | -0.01% | 0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 2.01% | 1.99% | 2.02% | 2.01% | 2.01% | 0 bps | |
| Allowance Coverage of NPLs | 21.4x | 9.6x | 3.2x | 87.7x | 203.3x | +181.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.07% | 10.04% | 9.82% | 9.81% | 9.73% | -35 bps | |
| Total Risk-Based Capital | 18.41% | 18.38% | 18.32% | 18.22% | 18.29% | -11 bps | |
| Equity / Assets | 9.90% | 10.38% | 10.74% | 10.60% | 10.66% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.69% | 67.38% | 65.62% | 65.77% | 64.50% | -119 bps | |
| Liquid Assets / Assets | 4.62% | 3.30% | 2.83% | 1.95% | 1.83% | -278 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |