Napoleon, ND · Cert 15440
FDIC · 1 branch
Q2 2020
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.95% | 1.75% | 1.86% | 1.90% | 1.99% | 1.63% | 1.68% | 1.75% | -15 bps | |
| Return on Equity | 14.66% | 13.14% | 13.63% | 13.34% | 13.62% | 11.76% | 16.61% | 16.86% | +352 bps | |
| Net Interest Margin | 3.45% | 3.29% | 3.45% | 3.52% | 3.60% | 3.29% | 3.17% | 3.32% | -20 bps | |
| Efficiency Ratio | 45.55% | 51.43% | 46.25% | 46.69% | 45.31% | 52.99% | 48.23% | 48.05% | +135 bps | |
| Non-Interest Burden | 1.42% | 1.57% | 1.50% | 1.55% | 1.50% | 1.68% | 1.48% | 1.56% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | -2.43% | 1.24% | 2.53% | 7.41% | 1.52% | 2.29% | 6.60% | +407 bps | |
| Loan Growth (YoY) | 8.39% | -3.50% | 7.98% | 4.98% | 5.75% | 1.58% | 5.42% | 3.61% | -137 bps | |
| Deposit Growth (YoY) | -0.11% | -3.50% | -0.25% | -0.20% | 5.63% | 4.20% | 8.05% | 13.45% | +1,365 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% | 0.04% | +4 bps | |
| Allowance / Loans | 1.04% | 1.02% | 1.03% | 0.96% | 0.98% | 1.01% | 0.98% | 0.91% | -6 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 | 14.80% | 14.22% | 13.95% | 14.61% | 15.50% | 10.62% | 9.29% | 9.63% | -498 bps | |
| Total Risk-Based Capital | 23.06% | 20.63% | 21.18% | 22.35% | 22.35% | 14.92% | 9.29% | 9.63% | -1,271 bps | |
| Equity / Assets | 14.47% | 13.22% | 14.14% | 15.47% | 15.86% | 10.91% | 9.29% | 10.83% | -465 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.64% | 53.40% | 57.48% | 65.10% | 61.71% | 52.06% | 56.08% | 59.46% | -564 bps | |
| Liquid Assets / Assets | 0.00% | 1.06% | 1.51% | 1.55% | 1.51% | 1.39% | 1.47% | 1.46% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |