Steele, ND · Cert 13202
FDIC · 4 branches
Q3 2015
Market Position · Bismarck, ND · 2015 SOD (annual) · 2.4% share · #11 of 20 inst. · $0.1B of $3.9B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.61% | 1.58% | 1.71% | 1.87% | 0.12% | -149 bps | |
| Return on Equity | 19.54% | 19.24% | 20.72% | 21.98% | 1.32% | -1,822 bps | |
| Net Interest Margin | 4.24% | 4.33% | 4.52% | 4.68% | 0.53% | -371 bps | |
| Efficiency Ratio | 64.14% | 65.53% | 65.25% | 63.06% | 80.44% | +1,630 bps | |
| Non-Interest Burden | 2.56% | 2.68% | 2.74% | 2.74% | 0.41% | -216 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.67% | 2.16% | 0.75% | -4.86% | 0.11% | -456 bps | |
| Loan Growth (YoY) | 9.30% | 8.54% | 4.84% | 0.63% | -1.96% | -1,126 bps | |
| Deposit Growth (YoY) | 1.06% | -0.83% | 0.43% | -7.38% | -0.45% | -151 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | -0.09% | -0.03% | 0.01% | +1 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.40% | 1.33% | 0.01% | -127 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 8.36% | 9.02% | 9.83% | n/a | |
| Total Risk-Based Capital | 11.62% | 10.73% | 12.01% | 12.22% | 11.72% | +10 bps | |
| Equity / Assets | 8.87% | 8.08% | 8.38% | 9.12% | 12.16% | +329 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.35% | 92.22% | 83.34% | 92.70% | 92.92% | -143 bps | |
| Liquid Assets / Assets | 0.60% | 0.73% | 3.83% | 0.79% | 0.73% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |