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Hi-Plains Bell

Dodge City, KS · Charter 67759

NCUA · 1 branch

Q4 2019

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: Q4 2019, the quarter ended December 31, 2019, 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: NCUA 5300 Call Report, 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

Hi-Plains Bell

Dodge City, KS · Charter 67759

NCUA · 1 branch

Q4 2019

$4.0MAssets
$3.5MLoans
$3.8MShares
$149KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -9.30%, down 960 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 4.46% of loans (+141 bps YoY).
  • Capital: net worth / assets of 3.73%, down 830 bps from a year ago.
  • Funding: loans stand at 92.36% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-9.30%-960 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-15 bps YoY

Efficiency Ratio (YTD, annualized)

109.77%+1,605 bps YoY

Net Worth / Assets

3.73%-830 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.30%-1.59%-0.78%-2.65%-9.30%-960 bps
Return on Equity2.47%-13.12%-6.58%-25.72%-249%-25,151 bps
Net Interest Margin3.79%3.74%3.55%3.64%3.64%-15 bps
Efficiency Ratio93.71%118.03%108.73%104.41%109.77%+1,605 bps
Growth
Asset Growth (YoY)-3.60%-3.93%-4.99%-4.34%-7.64%-403 bps
Loan Growth (YoY)10.72%9.22%5.30%1.76%1.58%-914 bps
Share Growth (YoY)-4.50%-4.22%-4.74%-2.24%0.90%+540 bps
Asset Quality
Delinquent Loans / Loans3.05%2.76%3.64%3.80%4.46%+141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.17%1.16%1.06%3.06%9.74%+857 bps
Capital
Risk-Based Capital12.04%12.12%11.92%10.30%3.73%-830 bps
Net Worth / Assets12.04%12.12%11.92%10.30%3.73%-830 bps
Liquidity & Funding
Loans / Shares91.74%91.24%92.02%95.14%92.36%+62 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps