Newman Grove, NE · Cert 5447
FDIC · 1 branch
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Newman Grove, NE · Cert 5447
FDIC · 1 branch
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.37% | 0.08% | 0.04% | -0.09% | -0.28% | -0.23% | -0.65% | -69 bps | |
| Return on Equity | 6.88% | 3.40% | 0.78% | 0.34% | -0.85% | -2.66% | -2.13% | -6.42% | -677 bps | |
| Net Interest Margin | 3.31% | 2.94% | 2.55% | 2.34% | 1.77% | 1.73% | 1.76% | 1.54% | -79 bps | |
| Efficiency Ratio | 76.00% | 86.16% | 95.09% | 96.82% | 103.86% | 113.12% | 110.77% | 133.78% | +3,696 bps | |
| Non-Interest Burden | 2.44% | 2.49% | 2.41% | 2.25% | 1.86% | 2.02% | 2.00% | 2.23% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.46% | 2.28% | 6.58% | 10.30% | -3.11% | -2.06% | -8.84% | 0.32% | -998 bps | |
| Loan Growth (YoY) | -11.65% | -22.63% | -32.00% | -30.27% | -34.56% | -29.96% | -27.33% | -25.35% | +492 bps | |
| Deposit Growth (YoY) | 2.65% | 4.32% | 7.86% | 10.00% | 1.72% | 2.52% | -4.03% | 7.13% | -287 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 1.33% | 3.11% | 1.94% | 0.66% | 3.27% | 7.09% | 5.56% | +362 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.54% | 0.67% | 1.30% | +130 bps | |
| Allowance / Loans | 1.40% | 1.42% | 1.54% | 1.72% | 2.14% | 1.76% | 1.61% | 1.01% | -72 bps | |
| Allowance Coverage of NPLs | 3.7x | 1.1x | 0.5x | 0.9x | 3.3x | 0.5x | 0.2x | 0.2x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.53% | 11.83% | 11.19% | 10.79% | 10.77% | 10.86% | 11.08% | 8.43% | -236 bps | |
| Total Risk-Based Capital | 17.15% | 16.72% | 16.23% | 18.19% | 20.30% | 19.81% | 21.68% | 16.51% | -168 bps | |
| Equity / Assets | 10.41% | 10.67% | 10.30% | 10.58% | 10.75% | 10.60% | 11.09% | 7.80% | -278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.80% | 66.82% | 60.92% | 53.63% | 44.26% | 45.65% | 46.13% | 37.37% | -1,626 bps | |
| Liquid Assets / Assets | 0.29% | 0.31% | 0.30% | 0.30% | 0.32% | 0.32% | 0.34% | 0.31% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |