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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.34% | 1.58% | 1.89% | 1.48% | 1.71% | 2.03% | -3.37% | -527 bps | |
| Return on Equity | 17.11% | 16.80% | 19.49% | 22.15% | 17.46% | 20.72% | 23.18% | -31.64% | -5,379 bps | |
| Net Interest Margin | 4.30% | 3.95% | 4.16% | 4.58% | 4.58% | 4.52% | 4.75% | -7.89% | -1,248 bps | |
| Efficiency Ratio | 67.38% | 67.52% | 64.11% | 61.37% | 69.40% | 65.25% | 60.89% | 80.44% | +1,907 bps | |
| Non-Interest Burden | 2.71% | 2.56% | 2.51% | 2.59% | 3.02% | 2.74% | 2.69% | -4.19% | -678 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | 2.30% | 7.35% | 4.67% | 2.16% | 0.75% | -4.86% | 0.11% | -456 bps | |
| Loan Growth (YoY) | -0.43% | 4.29% | 8.49% | 9.30% | 8.54% | 4.84% | 0.63% | -1.96% | -1,126 bps | |
| Deposit Growth (YoY) | -1.47% | 2.44% | 7.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.38% | -0.03% | -0.04% | 0.05% | 0.16% | -0.09% | 0.03% | 0.08% | +2 bps | |
| Allowance / Loans | 1.35% | 1.41% | 1.32% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 8.36% | 9.02% | 9.83% | n/a | |
| Total Risk-Based Capital | 11.05% | 11.72% | 11.38% | 11.62% | 10.73% | 12.01% | 12.22% | 11.72% | +10 bps | |
| Equity / Assets | 7.92% | 8.01% | 8.25% | 8.87% | 8.08% | 8.38% | 9.12% | 12.16% | +329 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.26% | 79.84% | 85.32% | 94.35% | 92.22% | 83.34% | 92.70% | 92.92% | -143 bps | |
| Liquid Assets / Assets | 5.42% | 9.35% | 4.25% | 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 | n/a | n/a | n/a |