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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 0.79% | 1.27% | 1.47% | 0.48% | 0.87% | -0.58% | 0.69% | -78 bps | |
| Return on Equity | 8.85% | 5.50% | 8.87% | 10.30% | 3.31% | 6.03% | -3.92% | 4.44% | -586 bps | |
| Net Interest Margin | 3.59% | 3.53% | 3.83% | 3.20% | 2.99% | 3.26% | -1.64% | 2.87% | -33 bps | |
| Efficiency Ratio | 72.54% | 81.06% | 73.32% | 69.96% | 88.02% | 78.89% | 83.51% | 76.80% | +684 bps | |
| Non-Interest Burden | 2.25% | 2.73% | 2.65% | 1.71% | 2.49% | 2.43% | -1.09% | 2.22% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.40% | -0.94% | 2.44% | 3.27% | 2.83% | 10.11% | 3.83% | -0.49% | -376 bps | |
| Loan Growth (YoY) | -4.26% | 5.07% | 3.66% | -5.45% | -10.34% | -17.56% | -14.49% | -10.97% | -552 bps | |
| Deposit Growth (YoY) | -0.81% | 1.98% | 9.34% | 7.24% | 10.65% | 13.04% | 12.53% | 7.06% | -18 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.00% | 0.00% | 0.00% | 0.00% | 1.09% | 0.00% | 1.54% | +154 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.12% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.62% | 1.58% | 1.48% | 1.62% | 1.77% | 1.91% | 0.00% | 0.00% | -162 bps | |
| Allowance Coverage of NPLs | 3.7x | n/a | n/a | n/a | n/a | 1.7x | n/a | 0.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.53% | 14.20% | 13.70% | 14.06% | 14.41% | 14.24% | 14.94% | 15.57% | +150 bps | |
| Total Risk-Based Capital | 19.30% | 14.20% | 13.70% | 14.06% | 14.41% | 14.24% | 23.20% | 25.44% | +1,138 bps | |
| Equity / Assets | 14.12% | 14.51% | 14.20% | 14.41% | 14.83% | 14.12% | 15.26% | 16.06% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.90% | 79.38% | 84.08% | 76.81% | 65.55% | 57.89% | 63.89% | 63.88% | -1,293 bps | |
| Liquid Assets / Assets | 0.44% | 0.34% | 2.42% | 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 | n/a | n/a | n/a |