Grand Forks, ND · Cert 2055
FDIC · 9 branches
Q3 2014
Market Position · Grand Forks, ND-MN · 2014 SOD (annual) · 20.9% share · #1 of 21 inst. · $0.5B of $2.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.17% | 1.19% | 1.35% | 1.22% | 0.92% | 1.21% | 1.30% | -5 bps | |
| Return on Equity | 13.27% | 12.72% | 12.08% | 13.51% | 12.30% | 8.98% | 11.74% | 12.47% | -104 bps | |
| Net Interest Margin | 3.82% | 3.66% | 3.71% | 3.84% | 3.76% | 3.66% | 3.64% | 3.73% | -10 bps | |
| Efficiency Ratio | 53.03% | 56.42% | 58.04% | 54.99% | 58.44% | 57.27% | 53.95% | 51.66% | -334 bps | |
| Non-Interest Burden | 1.75% | 1.83% | 1.90% | 1.84% | 1.98% | 1.87% | 1.70% | 1.65% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.28% | 1.97% | -0.42% | 6.10% | -0.32% | 4.46% | 12.89% | 6.20% | +11 bps | |
| Loan Growth (YoY) | 13.64% | 12.09% | 8.85% | 7.35% | 3.43% | 7.31% | 8.11% | 8.35% | +101 bps | |
| Deposit Growth (YoY) | 16.66% | 2.16% | -2.24% | 0.08% | -6.55% | -5.09% | -7.40% | -9.12% | -920 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 | 0.16% | 0.01% | 0.01% | 0.06% | -0.01% | -0.10% | 0.00% | -0.02% | -9 bps | |
| Allowance / Loans | 1.07% | 1.13% | 1.09% | 1.05% | 1.02% | 1.19% | 1.18% | 1.20% | +15 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 | 11.24% | 12.20% | 12.13% | 11.91% | 12.01% | 12.48% | 12.28% | 12.62% | +70 bps | |
| Equity / Assets | 8.81% | 9.67% | 10.04% | 9.90% | 9.97% | 10.43% | 10.17% | 10.61% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.39% | 95.95% | 103.94% | 105.53% | 105.57% | 108.48% | 121.35% | 125.83% | +2,030 bps | |
| Liquid Assets / Assets | 4.71% | 6.76% | 3.60% | 3.46% | 3.44% | 3.47% | 3.13% | 3.14% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |