Finley, ND · Cert 16187
FDIC · 3 branches
Q3 2021
Market Position · Grand Forks, ND-MN · 2021 SOD (annual) · 0.5% share · #18 of 19 inst. · $0.0B of $3.8B
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.01% | 0.87% | 0.14% | 0.33% | -86 bps | |
| Return on Equity | 8.26% | 6.99% | 6.03% | 0.94% | 2.17% | -609 bps | |
| Net Interest Margin | 3.46% | 3.38% | 3.26% | 0.78% | 1.48% | -198 bps | |
| Efficiency Ratio | 74.38% | 77.54% | 78.89% | 81.94% | 78.62% | +423 bps | |
| Non-Interest Burden | 2.32% | 2.39% | 2.43% | 0.64% | 1.17% | -115 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.27% | 2.83% | 10.11% | 3.83% | -0.49% | -376 bps | |
| Loan Growth (YoY) | -5.45% | -10.34% | -17.56% | -14.49% | -10.97% | -552 bps | |
| Deposit Growth (YoY) | 7.24% | 10.65% | 13.04% | 12.53% | 7.06% | -18 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.09% | 0.00% | 1.54% | +154 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 1.62% | 1.77% | 1.91% | 0.00% | 0.00% | -162 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.7x | n/a | 0.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.06% | 14.41% | 14.24% | 14.94% | 15.57% | +150 bps | |
| Total Risk-Based Capital | 14.06% | 14.41% | 14.24% | 23.20% | 25.44% | +1,138 bps | |
| Equity / Assets | 14.41% | 14.83% | 14.12% | 15.26% | 16.06% | +165 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.81% | 65.55% | 57.89% | 63.89% | 63.88% | -1,293 bps | |
| Liquid Assets / Assets | 5.74% | 0.56% | 0.44% | 1.44% | 2.11% | -363 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |