Cavalier, ND · Cert 15333
FDIC · 5 branches
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.88% | 1.77% | 1.75% | 1.73% | +25 bps | |
| Return on Equity | 10.57% | 13.48% | 12.64% | 12.43% | 12.26% | +169 bps | |
| Net Interest Margin | 4.27% | 4.08% | 4.08% | 4.08% | 4.08% | -19 bps | |
| Efficiency Ratio | 50.68% | 52.37% | 52.52% | 51.77% | 52.59% | +191 bps | |
| Non-Interest Burden | 2.24% | 2.19% | 2.21% | 2.19% | 2.23% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.02% | 3.00% | 2.48% | 5.27% | 3.81% | +278 bps | |
| Loan Growth (YoY) | 2.96% | 8.34% | 9.25% | 11.92% | 10.48% | +752 bps | |
| Deposit Growth (YoY) | 1.17% | 3.52% | 1.24% | 4.50% | 3.23% | +206 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.51% | 0.33% | 0.31% | 0.30% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.58% | 0.57% | 0.80% | 0.89% | 0.89% | +30 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.1x | 2.4x | 2.9x | 2.9x | +1.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.93% | 13.21% | 13.21% | 13.19% | 13.37% | +44 bps | |
| Total Risk-Based Capital | 16.09% | 16.46% | 16.05% | 16.09% | 16.20% | +11 bps | |
| Equity / Assets | 13.83% | 14.03% | 14.21% | 14.31% | 14.24% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.27% | 87.57% | 96.77% | 97.36% | 94.47% | +620 bps | |
| Liquid Assets / Assets | 0.44% | 1.15% | 0.35% | 0.30% | 3.17% | +274 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |