Portland, ND · Cert 16082
FDIC · 2 branches
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.44% | -0.26% | -0.04% | 0.51% | +22 bps | |
| Return on Equity | 2.21% | 3.58% | -2.11% | -0.34% | 4.06% | +185 bps | |
| Net Interest Margin | 3.97% | 3.92% | 3.71% | 4.35% | 3.74% | -23 bps | |
| Efficiency Ratio | 64.56% | 69.31% | 96.34% | 72.61% | 70.45% | +590 bps | |
| Non-Interest Burden | 2.76% | 2.89% | 3.81% | 3.34% | 2.83% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.96% | 0.21% | -0.69% | 5.85% | 7.97% | -99 bps | |
| Loan Growth (YoY) | 15.05% | 5.98% | 14.91% | 13.42% | 13.04% | -201 bps | |
| Deposit Growth (YoY) | -1.06% | 0.16% | -1.95% | 4.94% | 11.75% | +1,281 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.02% | 0.30% | +30 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.01% | -0.01% | 0.02% | -0.02% | +1 bps | |
| Allowance / Loans | 0.42% | 0.54% | 0.54% | 0.49% | 0.48% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.5x | 1.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.92% | 9.77% | 9.71% | 9.86% | 9.70% | -22 bps | |
| Total Risk-Based Capital | 12.86% | 12.84% | 11.98% | 11.79% | 11.14% | -172 bps | |
| Equity / Assets | 12.62% | 12.01% | 12.77% | 12.55% | 12.34% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.72% | 79.12% | 83.85% | 89.48% | 90.76% | +104 bps | |
| Liquid Assets / Assets | 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 |