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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.17% | 1.18% | 1.22% | 1.22% | 0.92% | 1.06% | 1.14% | -8 bps | |
| Return on Equity | 15.09% | 12.72% | 12.40% | 12.77% | 12.63% | 8.98% | 10.37% | 11.09% | -168 bps | |
| Net Interest Margin | 3.74% | 3.66% | 3.72% | 3.75% | 3.66% | 3.66% | 3.60% | 3.58% | -17 bps | |
| Efficiency Ratio | 52.22% | 56.42% | 57.23% | 56.47% | 56.97% | 57.27% | 55.57% | 54.21% | -226 bps | |
| Non-Interest Burden | 1.68% | 1.83% | 1.89% | 1.87% | 1.85% | 1.87% | 1.76% | 1.69% | -18 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 | -0.08% | 0.01% | 0.01% | 0.03% | 0.02% | -0.10% | -0.05% | -0.04% | -7 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 |