Wilmot, SD · Cert 15787
FDIC · 2 branches
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.13% | 1.94% | 1.91% | 2.14% | 2.22% | +9 bps | |
| Return on Equity | 19.94% | 17.78% | 18.21% | 21.23% | 21.13% | +119 bps | |
| Net Interest Margin | 4.03% | 3.76% | 4.12% | 4.07% | 4.18% | +15 bps | |
| Efficiency Ratio | 45.69% | 49.90% | 46.24% | 44.90% | 45.68% | -2 bps | |
| Non-Interest Burden | 1.66% | 1.74% | 1.74% | 1.69% | 1.84% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.75% | 5.08% | 5.50% | 2.00% | 0.46% | -529 bps | |
| Loan Growth (YoY) | 11.10% | 11.97% | 10.80% | 9.48% | 8.11% | -299 bps | |
| Deposit Growth (YoY) | 7.14% | 5.15% | 6.49% | 2.47% | -1.06% | -820 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.68% | 0.48% | 0.84% | 3.32% | 2.86% | +219 bps | |
| Net Charge-Offs / Loans | -0.50% | 0.32% | 1.38% | -0.04% | 0.02% | +52 bps | |
| Allowance / Loans | 1.28% | 1.18% | 0.96% | 0.97% | 0.98% | -30 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.5x | 1.1x | 0.3x | 0.3x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.94% | 11.00% | 10.61% | 10.63% | 11.29% | +35 bps | |
| Total Risk-Based Capital | 14.37% | 14.16% | 12.88% | 12.72% | 13.80% | -57 bps | |
| Equity / Assets | 10.97% | 10.81% | 10.13% | 10.06% | 10.95% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.41% | 80.86% | 80.05% | 83.19% | 87.86% | +745 bps | |
| Liquid Assets / Assets | 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 |