Townsend, MT · Cert 1114
FDIC · 4 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Townsend, MT · Cert 1114
FDIC · 4 branches
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.68% | 0.64% | 1.57% | 0.84% | 0.98% | 1.03% | 0.74% | -83 bps | |
| Return on Equity | 5.41% | 6.41% | 5.96% | 14.28% | 7.29% | 8.37% | 8.67% | 6.27% | -801 bps | |
| Net Interest Margin | 3.54% | 3.50% | 3.68% | 4.67% | 4.44% | 4.68% | 4.77% | 4.92% | +25 bps | |
| Efficiency Ratio | 70.92% | 67.43% | 67.31% | 69.45% | 67.34% | 62.55% | 64.40% | 74.34% | +489 bps | |
| Non-Interest Burden | 2.39% | 2.20% | 2.32% | 3.04% | 2.76% | 2.68% | 2.81% | 3.48% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.95% | 3.15% | -0.11% | 91.94% | 81.71% | 86.47% | 91.09% | -5.31% | -9,725 bps | |
| Loan Growth (YoY) | -4.61% | 18.99% | 41.14% | 214% | 193.22% | 169.41% | 125.10% | 5.28% | -20,880 bps | |
| Deposit Growth (YoY) | 8.14% | 2.78% | -0.75% | 89.19% | 78.37% | 78.03% | 84.03% | -6.39% | -9,559 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.35% | 0.27% | 0.71% | 1.25% | 1.09% | 1.98% | 1.69% | +98 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.04% | -0.02% | -0.01% | 0.00% | 0.43% | 0.29% | 0.39% | +40 bps | |
| Allowance / Loans | 0.17% | 0.31% | 0.38% | 0.65% | 0.76% | 0.63% | 0.82% | 0.65% | 0 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.9x | 1.4x | 0.9x | 0.6x | 0.6x | 0.4x | 0.4x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 10.22% | 10.34% | 11.40% | 11.33% | 11.65% | 11.99% | 11.23% | -17 bps | |
| Total Risk-Based Capital | 17.85% | 15.65% | 13.27% | 16.10% | 15.07% | 14.77% | 16.14% | 13.42% | -268 bps | |
| Equity / Assets | 10.34% | 10.82% | 11.33% | 11.55% | 11.60% | 11.86% | 12.32% | 11.48% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.99% | 64.81% | 82.52% | 88.01% | 90.40% | 98.07% | 100.94% | 98.98% | +1,097 bps | |
| Liquid Assets / Assets | 21.59% | 10.49% | 12.93% | 11.74% | 10.18% | 4.59% | 3.18% | 3.16% | -858 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |