Crookston, MN · Cert 10196
FDIC · 1 branch
Q4 2020
Market Position · Grand Forks, ND-MN · 2020 SOD (annual) · 2.0% share · #11 of 20 inst. · $0.1B of $3.4B
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 0.20% | 0.70% | 0.83% | 1.51% | 1.65% | 1.71% | 1.61% | +78 bps | |
| Return on Equity | 13.21% | 1.90% | 5.95% | 6.72% | 10.05% | 11.08% | 11.38% | 10.84% | +412 bps | |
| Net Interest Margin | 3.06% | 0.23% | 1.26% | 2.10% | 3.73% | 3.50% | 3.43% | 3.16% | +106 bps | |
| Efficiency Ratio | 65.40% | 10.47% | 44.52% | 41.82% | 42.99% | 44.60% | 45.05% | 47.77% | +595 bps | |
| Non-Interest Burden | 1.91% | 0.01% | 0.48% | 0.76% | 1.38% | 1.32% | 1.32% | 1.30% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 10.26% | 9.16% | 11.13% | 3.70% | 4.36% | 6.85% | 10.61% | -52 bps | |
| Loan Growth (YoY) | 12.51% | 13.16% | 12.14% | 6.14% | 11.90% | 17.45% | 4.06% | 0.38% | -576 bps | |
| Deposit Growth (YoY) | 6.73% | 2.85% | 1.42% | 3.82% | -4.50% | 1.66% | 7.68% | 10.76% | +695 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.94% | 0.00% | 0.03% | 0.72% | 0.94% | 0.94% | 0.97% | 1.05% | +34 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.73% | 10.64% | 10.57% | 10.19% | 10.41% | 9.76% | 10.31% | 10.08% | -11 bps | |
| Total Risk-Based Capital | 17.72% | 18.87% | 17.53% | 18.33% | 17.52% | 17.28% | 18.42% | 20.10% | +178 bps | |
| Equity / Assets | 8.22% | 14.40% | 15.21% | 14.61% | 15.45% | 14.74% | 15.20% | 14.18% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.96% | 62.29% | 71.10% | 63.09% | 69.09% | 71.96% | 68.71% | 57.18% | -591 bps | |
| Liquid Assets / Assets | 20.02% | 16.92% | 10.62% | 18.69% | 4.93% | 11.26% | 10.10% | 23.56% | +488 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |