Portland, ND · Cert 16082
FDIC · 2 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Portland, ND · Cert 16082
FDIC · 2 branches
Q3 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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.18% | 0.04% | 0.12% | 0.20% | -0.26% | -0.15% | 0.07% | -5 bps | |
| Return on Equity | 1.76% | 1.50% | 0.32% | 0.95% | 1.60% | -2.11% | -1.22% | 0.56% | -38 bps | |
| Net Interest Margin | 0.45% | 3.67% | 3.79% | 3.85% | 3.76% | 3.71% | 4.04% | 3.84% | -1 bps | |
| Efficiency Ratio | 68.80% | 65.93% | 71.18% | 68.94% | 69.04% | 96.34% | 83.65% | 79.32% | +1,038 bps | |
| Non-Interest Burden | 0.28% | 2.70% | 2.94% | 2.88% | 2.81% | 3.81% | 3.59% | 3.25% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.01% | -1.37% | 5.72% | 8.96% | 0.21% | -0.69% | 5.85% | 7.97% | -99 bps | |
| Loan Growth (YoY) | 4.24% | 5.59% | 9.24% | 15.05% | 5.98% | 14.91% | 13.42% | 13.04% | -201 bps | |
| Deposit Growth (YoY) | -3.46% | -7.11% | 0.28% | -1.06% | 0.16% | -1.95% | 4.94% | 11.75% | +1,281 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.21% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.02% | 0.30% | +30 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.01% | 0.16% | 0.28% | 0.42% | 0.54% | 0.54% | 0.49% | 0.48% | +6 bps | |
| Allowance Coverage of NPLs | 0.0x | n/a | n/a | n/a | n/a | n/a | 0.5x | 1.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.96% | 9.40% | 9.75% | 9.92% | 9.77% | 9.71% | 9.86% | 9.70% | -22 bps | |
| Total Risk-Based Capital | 12.16% | 12.66% | 12.69% | 12.86% | 12.84% | 11.98% | 11.79% | 11.14% | -172 bps | |
| Equity / Assets | 12.02% | 12.38% | 12.81% | 12.62% | 12.01% | 12.77% | 12.55% | 12.34% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.78% | 71.55% | 82.79% | 89.72% | 79.12% | 83.85% | 89.48% | 90.76% | +104 bps | |
| Liquid Assets / Assets | 2.85% | 3.18% | 0.28% | 1.02% | 6.77% | 6.58% | 5.70% | 6.60% | +558 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |