Sharon, ND · Cert 15776
FDIC · 3 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sharon, ND · Cert 15776
FDIC · 3 branches
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.55% | 0.72% | 0.91% | 0.91% | 0.93% | 0.95% | 0.65% | -25 bps | |
| Return on Equity | 6.14% | 6.13% | 8.16% | 10.22% | 9.95% | 9.86% | 9.90% | 6.45% | -377 bps | |
| Net Interest Margin | 3.38% | 3.21% | 3.22% | 3.65% | 3.81% | 3.78% | 3.92% | 3.41% | -24 bps | |
| Efficiency Ratio | 74.59% | 71.58% | 66.25% | 64.27% | 63.59% | 63.72% | 63.60% | 73.37% | +910 bps | |
| Non-Interest Burden | 2.46% | 2.21% | 2.02% | 2.26% | 2.32% | 2.31% | 2.37% | 2.42% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.38% | 6.97% | 13.79% | 3.13% | 1.93% | -11.58% | -17.79% | -4.23% | -737 bps | |
| Loan Growth (YoY) | 3.58% | 23.72% | 27.87% | 21.17% | 15.32% | -4.87% | -18.93% | -13.66% | -3,482 bps | |
| Deposit Growth (YoY) | -0.94% | 0.33% | 0.32% | -4.39% | -4.15% | -6.36% | -1.39% | 2.60% | +699 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.36% | +36 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.52% | 1.46% | 1.51% | 1.90% | 1.77% | 1.82% | 2.07% | 2.41% | +51 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.7x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 8.37% | 7.98% | 8.56% | 9.46% | 9.44% | 9.89% | 9.51% | +96 bps | |
| Total Risk-Based Capital | 14.52% | 11.94% | 11.89% | 14.32% | 14.26% | 14.47% | 15.48% | 15.27% | +95 bps | |
| Equity / Assets | 9.23% | 8.28% | 8.25% | 9.60% | 9.83% | 10.07% | 10.39% | 9.87% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.06% | 85.19% | 86.50% | 71.86% | 83.09% | 86.54% | 71.11% | 60.48% | -1,138 bps | |
| Liquid Assets / Assets | 14.95% | 12.28% | 11.09% | 12.21% | 11.36% | 11.41% | 12.11% | 10.89% | -132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |