Polson, MT · Cert 21478
FDIC · 1 branch
Q1 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.95% | -8.17% | -6.84% | -6.52% | -1.87% | +408 bps | |
| Return on Equity | -64.29% | -94.41% | -85.46% | -87.44% | -32.33% | +3,197 bps | |
| Net Interest Margin | 4.12% | 4.08% | 4.01% | 4.03% | 3.73% | -40 bps | |
| Efficiency Ratio | 224% | 259% | 230% | 225% | 180.27% | -4,404 bps | |
| Non-Interest Burden | 10.03% | 12.24% | 10.74% | 10.59% | 8.03% | -200 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.17% | -6.94% | 0.46% | -8.80% | -6.07% | -189 bps | |
| Loan Growth (YoY) | -22.70% | -20.77% | -21.33% | -20.13% | -11.78% | +1,092 bps | |
| Deposit Growth (YoY) | -2.89% | -4.41% | 4.79% | -4.57% | -3.45% | -56 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.15% | 0.10% | 0.99% | 0.10% | -11 bps | |
| Net Charge-Offs / Loans | 1.78% | 0.88% | 0.49% | 0.40% | -0.43% | -221 bps | |
| Allowance / Loans | 2.88% | 2.94% | 3.10% | 3.19% | 2.25% | -64 bps | |
| Allowance Coverage of NPLs | 14.3x | 19.5x | 31.2x | 3.2x | 23.4x | +9.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.79% | 7.18% | 6.00% | 4.87% | 6.37% | -242 bps | |
| Total Risk-Based Capital | 19.99% | 14.66% | 12.79% | 10.86% | 13.27% | -672 bps | |
| Equity / Assets | 8.99% | 7.40% | 6.07% | 5.16% | 6.44% | -255 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.14% | 57.42% | 53.13% | 54.57% | 53.12% | -502 bps | |
| Liquid Assets / Assets | 3.70% | 3.77% | 3.65% | 3.96% | 2.56% | -114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |