Glasgow, MT · Cert 2176
FDIC · 9 branches
Q1 2022
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.20% | 1.30% | 2.28% | 1.71% | 1.59% | 1.25% | 0.99% | -128 bps | |
| Return on Equity | 9.11% | 10.45% | 11.31% | 20.40% | 15.33% | 14.28% | 11.37% | 9.27% | -1,112 bps | |
| Net Interest Margin | 3.26% | 3.51% | 3.51% | 3.23% | 3.97% | 3.82% | 3.49% | 3.01% | -22 bps | |
| Efficiency Ratio | 69.95% | 66.78% | 65.78% | 57.78% | 60.34% | 61.91% | 67.12% | 67.76% | +998 bps | |
| Non-Interest Burden | 1.78% | 1.76% | 1.64% | 0.60% | 1.68% | 1.68% | 1.82% | 1.74% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.17% | 9.67% | 13.94% | 22.75% | 9.39% | 12.30% | 12.59% | 4.09% | -1,866 bps | |
| Loan Growth (YoY) | 11.72% | 11.08% | 7.56% | 19.91% | 4.65% | -3.33% | -2.98% | -10.73% | -3,064 bps | |
| Deposit Growth (YoY) | 13.09% | 14.08% | 14.63% | 23.26% | 17.05% | 17.54% | 14.03% | 5.52% | -1,774 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 0.75% | 0.81% | 0.91% | 0.68% | 0.53% | 0.52% | 0.46% | -44 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.11% | -0.09% | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0 bps | |
| Allowance / Loans | 1.60% | 1.73% | 2.08% | 1.91% | 1.91% | 1.99% | 2.08% | 2.08% | +17 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.3x | 2.6x | 2.1x | 2.8x | 3.7x | 4.0x | 4.5x | +2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.71% | 10.71% | 11.06% | 11.01% | 10.62% | 10.95% | 10.26% | 10.39% | -62 bps | |
| Total Risk-Based Capital | 16.23% | 15.36% | 16.70% | 16.02% | 15.85% | 16.86% | 17.22% | 17.40% | +138 bps | |
| Equity / Assets | 10.90% | 11.38% | 11.59% | 10.77% | 11.11% | 11.13% | 10.57% | 10.88% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.29% | 83.11% | 71.85% | 72.86% | 71.78% | 68.35% | 61.13% | 61.64% | -1,122 bps | |
| Liquid Assets / Assets | 9.85% | 3.72% | 7.27% | 4.78% | 0.66% | 5.69% | 8.81% | 43.23% | +3,844 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |