Wilmot, SD · Cert 15787
FDIC · 2 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Wilmot, SD · Cert 15787
FDIC · 2 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.68% | 1.76% | 1.89% | 1.90% | 1.91% | 2.02% | 2.10% | +21 bps | |
| Return on Equity | 15.56% | 15.65% | 16.52% | 17.67% | 17.74% | 18.21% | 19.60% | 20.03% | +236 bps | |
| Net Interest Margin | 3.70% | 3.77% | 3.74% | 3.79% | 3.78% | 4.12% | 4.07% | 4.13% | +34 bps | |
| Efficiency Ratio | 52.67% | 51.35% | 49.85% | 48.39% | 48.76% | 46.24% | 45.57% | 45.61% | -278 bps | |
| Non-Interest Burden | 1.80% | 1.74% | 1.67% | 1.65% | 1.67% | 1.74% | 1.70% | 1.76% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.20% | 3.47% | 4.88% | 5.75% | 5.08% | 5.50% | 2.00% | 0.46% | -529 bps | |
| Loan Growth (YoY) | 6.42% | 8.40% | 15.02% | 11.10% | 11.97% | 10.80% | 9.48% | 8.11% | -299 bps | |
| Deposit Growth (YoY) | 7.19% | 3.38% | 5.52% | 7.14% | 5.15% | 6.49% | 2.47% | -1.06% | -820 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.48% | 0.68% | 0.48% | 0.84% | 3.32% | 2.86% | +219 bps | |
| Net Charge-Offs / Loans | 0.28% | -0.01% | -0.01% | -0.17% | -0.05% | 1.38% | 0.63% | 0.43% | +60 bps | |
| Allowance / Loans | 1.01% | 1.08% | 1.09% | 1.28% | 1.18% | 0.96% | 0.97% | 0.98% | -30 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.3x | 1.9x | 2.5x | 1.1x | 0.3x | 0.3x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.96% | 11.16% | 10.78% | 10.94% | 11.00% | 10.61% | 10.63% | 11.29% | +35 bps | |
| Total Risk-Based Capital | 14.31% | 14.40% | 13.47% | 14.37% | 14.16% | 12.88% | 12.72% | 13.80% | -57 bps | |
| Equity / Assets | 10.66% | 10.81% | 10.41% | 10.97% | 10.81% | 10.13% | 10.06% | 10.95% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.93% | 76.94% | 77.87% | 80.41% | 80.86% | 80.05% | 83.19% | 87.86% | +745 bps | |
| Liquid Assets / Assets | 6.41% | 6.33% | 5.49% | 5.62% | 5.59% | 4.50% | 4.12% | 4.28% | -134 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |