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Bank of Glen Ullin

Glen Ullin, ND · Cert 16527

FDIC · 1 branch

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Glen Ullin

Glen Ullin, ND · Cert 16527

FDIC · 1 branch

Q3 2020

$65.8MAssets
$54.5MLoans
$58.0MDeposits
$7.7MEquity
Loan mix
84%RE $27.5M12%C&I $3.8M4%Consumer $1.4MQ3 2019Q3 2020
Deposit mix
82%Interest-bearing $47.4M18%Noninterest $10.6MQ3 2019Q3 2020

NIM

5.24%Q3 ’185.26%Q3 ’195.44%Q3 ’20-13%+9%

Non-interest income vs. expense

2.01%Q3 ’181.83%Q3 ’191.95%Q3 ’20+14%+8%

Market Position · Bismarck, ND · 2020 SOD (annual) · 1.0% share · #16 of 19 inst. · $0.1B of $5.1B

Executive Summary

  • Earnings: ROA of 2.62%, up 26 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.00% of loans (-136 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.64%, up 46 bps from a year ago.
  • Funding: loans stand at 94.00% of deposits as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

2.62%+26 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+38 bps YoY

Efficiency Ratio (YTD, annualized)

43.66%-82 bps YoY

Tier 1 Leverage Ratio

10.64%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets2.36%2.03%2.42%2.67%2.62%+26 bps
Return on Equity19.71%17.07%20.96%23.17%22.66%+295 bps
Net Interest Margin4.05%3.93%4.41%4.35%4.43%+38 bps
Efficiency Ratio44.49%50.46%44.16%40.42%43.66%-82 bps
Non-Interest Burden1.74%1.93%1.87%1.69%1.87%+14 bps
Growth
Asset Growth (YoY)14.83%18.24%4.87%4.15%5.94%-889 bps
Loan Growth (YoY)9.95%8.30%2.03%3.91%1.76%-819 bps
Deposit Growth (YoY)20.77%22.36%9.94%12.20%16.17%-460 bps
Asset Quality
Nonperforming Loans / Loans1.36%2.88%2.52%2.05%0.00%-136 bps
Net Charge-Offs / Loans-0.04%-0.04%0.00%0.00%0.00%+4 bps
Allowance / Loans0.84%0.89%0.90%0.84%0.85%+1 bps
Allowance Coverage of NPLs0.6x0.3x0.4x0.4xn/an/a
Capital
Tier 1 Leverage Ratio10.17%10.31%11.22%10.61%10.64%+46 bps
Total Risk-Based Capital11.29%14.41%11.22%14.40%12.78%+149 bps
Equity / Assets11.27%11.57%11.50%11.47%11.67%+39 bps
Liquidity & Funding
Loans / Deposits107.31%104.64%101.45%103.82%94.00%-1,331 bps
Liquid Assets / Assets0.01%0.01%0.02%0.01%0.01%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a