New Town, ND · Cert 17165
FDIC · 5 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Town, ND · Cert 17165
FDIC · 5 branches
Q4 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.19% | 1.11% | 1.19% | 1.26% | 1.43% | 1.54% | 1.48% | +29 bps | |
| Return on Equity | 14.84% | 17.66% | 16.82% | 18.45% | 20.99% | 23.77% | 25.54% | 24.82% | +637 bps | |
| Net Interest Margin | 2.10% | 2.07% | 2.11% | 2.04% | 2.18% | 2.25% | 2.25% | 2.17% | +13 bps | |
| Efficiency Ratio | 51.74% | 50.44% | 47.57% | 45.72% | 44.06% | 40.45% | 38.59% | 40.68% | -504 bps | |
| Non-Interest Burden | 0.96% | 0.92% | 0.90% | 0.83% | 0.86% | 0.81% | 0.76% | 0.78% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.08% | 26.92% | 30.59% | 25.53% | 19.79% | 27.48% | 26.50% | 27.72% | +219 bps | |
| Loan Growth (YoY) | 20.04% | 19.19% | 23.35% | 25.99% | 29.28% | 30.27% | 41.40% | 39.21% | +1,322 bps | |
| Deposit Growth (YoY) | 31.00% | 31.20% | 33.64% | 27.56% | 20.79% | 28.06% | 26.65% | 28.11% | +54 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.02% | -0.01% | -0.01% | -0.16% | -0.07% | 0.03% | 0.02% | +3 bps | |
| Allowance / Loans | 0.87% | 0.84% | 1.11% | 1.10% | 1.15% | 1.09% | 0.92% | 0.96% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.28% | 14.97% | 14.82% | 14.81% | 14.88% | 14.28% | 13.02% | 13.13% | -168 bps | |
| Equity / Assets | 6.58% | 6.43% | 6.04% | 6.07% | 5.95% | 6.08% | 5.99% | 5.77% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.10% | 34.99% | 34.35% | 34.60% | 33.28% | 35.59% | 38.35% | 37.59% | +300 bps | |
| Liquid Assets / Assets | 26.40% | 21.37% | 21.94% | 23.93% | 26.04% | 26.00% | 24.32% | 29.54% | +561 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |