Townsend, MT · Cert 1114
FDIC · 4 branches
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.78% | 0.56% | 3.84% | 0.84% | 1.11% | 1.12% | -0.16% | -400 bps | |
| Return on Equity | 5.41% | 7.34% | 5.04% | 33.48% | 7.29% | 9.45% | 9.28% | -1.31% | -3,479 bps | |
| Net Interest Margin | 3.54% | 3.44% | 3.93% | 12.88% | 4.44% | 4.84% | 4.78% | 5.14% | -773 bps | |
| Efficiency Ratio | 70.92% | 63.87% | 67.09% | 70.39% | 67.34% | 57.99% | 67.99% | 103.73% | +3,334 bps | |
| Non-Interest Burden | 2.39% | 2.02% | 2.50% | 8.49% | 2.76% | 2.53% | 2.99% | 5.34% | -315 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% | -0.02% | 0.00% | 0.00% | 0.00% | 0.87% | 0.00% | 0.70% | +70 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 |