3/31/21 Bank 6.19 1 High Plains Bank, Flagler, CO 2 Summary Ratios, UBPR Page 1 3...

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3/31/21 Bank 6.19 1 High Plains Bank, Flagler, CO 2 Summary Ratios, UBPR Page 1 3 Earnings & Profitability 4 10 5 60 % of Average Assets % Interest Income (IR%) Bank is High Plain PG7 is the average of similar size banks This is an income statement for the bank as a percentage of average assets 3/31/21 3/31/20 3/31/20 PG7 Bank PG7 3.71 5.20 4.35 7 Interest Expense (IE%) 0.38 0.37 0.51 0.70 8 Net Interest Income (NIM) 5.81 3.34 4.69 3.65 9 Non-Interest Income (NIR%) 0.52 0.59 0.47 0.57 10 Non-interest expense (NIE%) 2.93 2.49 3.46 2.86 11 Burden % 2.41 1.90 2.99 2.29 12 Provision for Loan Loss % 0.00 0.06 0.26 0.10 13 Operating Income (OROA) 3.40 1.38 1.44 1.26 14 Security Gain or Loss % 0.00 0.01 0.00 0.02 15 Net Income after taxes (ROA) 3.40 1.24 1.44 1.10 16 Includes all adjustments 17 3/31/20 3/31/20 18 Tier 1 Leverage Ratio 19 (Equity/Assets) 3/31/21 3/31/21 Bank PG 7 Bank PG 7 8.92 10.16 10.20 11.13 A. Do a OROA Trend Analysis for High Plains Bank to explain why its OROA changed in 3/31/21 from the previous year 3/31/20. Be sure to examine changes in the Bank's NIM, Burden%, and PLL% for this analysis. Explain in more detail why the NIM changed looking at relative changes In the Bank's IR% and IE% in 2021 and explain what type of funding gap that implies. Also explain in more detail why the Burden% changed looking at relative changes in the Bank's NIR% and NIE%. B. Do a OROA Peer Analysis comparing High Plains Bank to its PG7 peers For 3/31/21. Be sure to examine differences in the Bank versus the PG7 For NIM, Burden%, and PLL% and explain why the NIM is different based on differences in IR% and IE% and the Burden% is different based on NIR% and NIE%. Explain in detail what strengths and weaknesses are revealed for High Plains Bank compared to the PG7. 3/31/21 Bank 6.19 1 High Plains Bank, Flagler, CO 2 Summary Ratios, UBPR Page 1 3 Earnings & Profitability 4 10 5 60 % of Average Assets % Interest Income (IR%) Bank is High Plain PG7 is the average of similar size banks This is an income statement for the bank as a percentage of average assets 3/31/21 3/31/20 3/31/20 PG7 Bank PG7 3.71 5.20 4.35 7 Interest Expense (IE%) 0.38 0.37 0.51 0.70 8 Net Interest Income (NIM) 5.81 3.34 4.69 3.65 9 Non-Interest Income (NIR%) 0.52 0.59 0.47 0.57 10 Non-interest expense (NIE%) 2.93 2.49 3.46 2.86 11 Burden % 2.41 1.90 2.99 2.29 12 Provision for Loan Loss % 0.00 0.06 0.26 0.10 13 Operating Income (OROA) 3.40 1.38 1.44 1.26 14 Security Gain or Loss % 0.00 0.01 0.00 0.02 15 Net Income after taxes (ROA) 3.40 1.24 1.44 1.10 16 Includes all adjustments 17 3/31/20 3/31/20 18 Tier 1 Leverage Ratio 19 (Equity/Assets) 3/31/21 3/31/21 Bank PG 7 Bank PG 7 8.92 10.16 10.20 11.13 A. Do a OROA Trend Analysis for High Plains Bank to explain why its OROA changed in 3/31/21 from the previous year 3/31/20. Be sure to examine changes in the Bank's NIM, Burden%, and PLL% for this analysis. Explain in more detail why the NIM changed looking at relative changes In the Bank's IR% and IE% in 2021 and explain what type of funding gap that implies. Also explain in more detail why the Burden% changed looking at relative changes in the Bank's NIR% and NIE%. B. Do a OROA Peer Analysis comparing High Plains Bank to its PG7 peers For 3/31/21. Be sure to examine differences in the Bank versus the PG7 For NIM, Burden%, and PLL% and explain why the NIM is different based on differences in IR% and IE% and the Burden% is different based on NIR% and NIE%. Explain in detail what strengths and weaknesses are revealed for High Plains Bank compared to the PG7.