Glen Ullin, ND · Cert 16527
FDIC · 1 branch
Q3 2020
Market Position · Bismarck, ND · 2020 SOD (annual) · 1.0% share · #16 of 19 inst. · $0.1B of $5.1B
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.36% | 2.03% | 2.42% | 2.67% | 2.62% | +26 bps | |
| Return on Equity | 19.71% | 17.07% | 20.96% | 23.17% | 22.66% | +295 bps | |
| Net Interest Margin | 4.05% | 3.93% | 4.41% | 4.35% | 4.43% | +38 bps | |
| Efficiency Ratio | 44.49% | 50.46% | 44.16% | 40.42% | 43.66% | -82 bps | |
| Non-Interest Burden | 1.74% | 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 / Loans | 1.36% | 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 / Loans | 0.84% | 0.89% | 0.90% | 0.84% | 0.85% | +1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.3x | 0.4x | 0.4x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.17% | 10.31% | 11.22% | 10.61% | 10.64% | +46 bps | |
| Total Risk-Based Capital | 11.29% | 14.41% | 11.22% | 14.40% | 12.78% | +149 bps | |
| Equity / Assets | 11.27% | 11.57% | 11.50% | 11.47% | 11.67% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.31% | 104.64% | 101.45% | 103.82% | 94.00% | -1,331 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.02% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |