Polson, MT · Cert 21478
FDIC · 1 branch
Q1 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.04% | -6.11% | -4.97% | -5.95% | -10.47% | -4.27% | -5.40% | -1.87% | +408 bps | |
| Return on Equity | -20.38% | -62.01% | -51.39% | -64.29% | -127.60% | -63.48% | -95.81% | -32.33% | +3,197 bps | |
| Net Interest Margin | 3.62% | 3.69% | 3.80% | 4.12% | 3.96% | 4.03% | 3.66% | 3.73% | -40 bps | |
| Efficiency Ratio | 153.75% | 217% | 344% | 224% | 289% | 176.71% | 208% | 180.27% | -4,404 bps | |
| Non-Interest Burden | 5.46% | 9.77% | 8.65% | 10.03% | 14.27% | 8.20% | 9.00% | 8.03% | -200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.31% | -2.56% | 6.14% | -4.17% | -6.94% | 0.46% | -8.80% | -6.07% | -189 bps | |
| Loan Growth (YoY) | -7.70% | -5.26% | -10.70% | -22.70% | -20.77% | -21.33% | -20.13% | -11.78% | +1,092 bps | |
| Deposit Growth (YoY) | -7.98% | -7.82% | 0.83% | -2.89% | -4.41% | 4.79% | -4.57% | -3.45% | -56 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.28% | 1.08% | 0.18% | 0.20% | 0.15% | 0.10% | 0.99% | 0.10% | -11 bps | |
| Net Charge-Offs / Loans | -0.10% | 0.00% | -4.29% | 1.78% | -0.04% | -0.35% | 0.09% | -0.43% | -221 bps | |
| Allowance / Loans | 1.67% | 1.70% | 2.88% | 2.88% | 2.94% | 3.10% | 3.19% | 2.25% | -64 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.6x | 15.7x | 14.3x | 19.5x | 31.2x | 3.2x | 23.4x | +9.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.96% | 9.62% | 9.41% | 8.79% | 7.18% | 6.00% | 4.87% | 6.37% | -242 bps | |
| Total Risk-Based Capital | 19.72% | 19.42% | 15.66% | 19.99% | 14.66% | 12.79% | 10.86% | 13.27% | -672 bps | |
| Equity / Assets | 9.88% | 9.84% | 9.51% | 8.99% | 7.40% | 6.07% | 5.16% | 6.44% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.27% | 70.77% | 65.19% | 58.14% | 57.42% | 53.13% | 54.57% | 53.12% | -502 bps | |
| Liquid Assets / Assets | 3.63% | 5.18% | 2.67% | 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 | n/a | n/a | n/a |