Crosby, ND · Cert 14353
FDIC · 1 branch
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.44% | 0.25% | 0.26% | 0.38% | 0.35% | 0.08% | -0.37% | -63 bps | |
| Return on Equity | 5.79% | 5.14% | 3.06% | 3.37% | 4.93% | 4.18% | 0.83% | -3.96% | -734 bps | |
| Net Interest Margin | 1.39% | 1.26% | 1.32% | 1.36% | 1.24% | 1.31% | 1.27% | 1.18% | -18 bps | |
| Efficiency Ratio | 65.12% | 71.04% | 80.36% | 91.72% | 73.78% | 76.10% | 94.35% | 128.50% | +3,678 bps | |
| Non-Interest Burden | 0.86% | 0.86% | 1.03% | 1.24% | 0.86% | 0.95% | 1.19% | 1.55% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.31% | 12.58% | 16.72% | 13.84% | 2.60% | -4.67% | -16.87% | -15.81% | -2,965 bps | |
| Loan Growth (YoY) | 6.70% | -0.17% | -10.21% | -7.15% | -0.89% | -25.82% | -49.07% | -47.12% | -3,997 bps | |
| Deposit Growth (YoY) | 15.46% | 14.60% | 19.43% | 15.92% | 3.36% | -5.10% | -18.20% | -17.18% | -3,310 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 | 5.88% | 5.22% | 5.03% | 5.09% | 5.94% | 7.03% | 9.88% | 9.63% | +454 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 27.46% | 29.38% | 30.03% | 30.55% | 35.56% | 41.61% | 48.26% | 67.74% | +3,719 bps | |
| Equity / Assets | 8.43% | 8.52% | 8.05% | 7.54% | 7.91% | 9.01% | 9.55% | 9.07% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 9.88% | 11.52% | 11.10% | 10.69% | 9.47% | 9.01% | 6.91% | 6.83% | -387 bps | |
| Liquid Assets / Assets | 36.63% | 41.99% | 45.84% | 49.30% | 55.97% | 58.42% | 58.79% | 57.23% | +793 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |