Plentywood, MT · Cert 2201
FDIC · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Plentywood, MT · Cert 2201
FDIC · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.83% | 0.86% | 0.78% | 0.97% | 0.96% | 0.17% | -0.24% | -102 bps | |
| Return on Equity | 9.95% | 10.37% | 10.49% | 9.41% | 11.22% | 10.97% | 1.87% | -2.54% | -1,195 bps | |
| Net Interest Margin | 2.24% | 2.32% | 2.50% | 2.64% | 2.58% | 2.64% | 2.83% | 0.63% | -201 bps | |
| Efficiency Ratio | 68.25% | 67.08% | 67.46% | 71.16% | 66.38% | 66.17% | 94.38% | 64.34% | -683 bps | |
| Non-Interest Burden | 1.47% | 1.50% | 1.63% | 1.83% | 1.64% | 1.68% | 2.66% | 0.39% | -144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | 3.97% | -1.61% | -5.26% | -3.67% | -5.81% | -4.96% | 5.10% | +1,036 bps | |
| Loan Growth (YoY) | -3.00% | -4.24% | -4.95% | 2.47% | -0.26% | -2.10% | -2.23% | -7.84% | -1,031 bps | |
| Deposit Growth (YoY) | 4.54% | 3.93% | -2.23% | -6.18% | -4.58% | -6.94% | -3.64% | 3.82% | +1,000 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 | 0.00% | 0.24% | 0.14% | 0.15% | 0.04% | -0.04% | -0.02% | 0.88% | +73 bps | |
| Allowance / Loans | 1.54% | 1.27% | 1.18% | 1.18% | 1.36% | 1.29% | 1.18% | 0.00% | -118 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 | 7.91% | 8.10% | 8.55% | 8.90% | 8.66% | 8.92% | 8.93% | 9.27% | +37 bps | |
| Total Risk-Based Capital | 19.67% | 18.51% | 18.26% | 19.01% | 21.92% | 19.77% | 18.25% | 17.44% | -157 bps | |
| Equity / Assets | 7.87% | 8.08% | 8.75% | 8.72% | 8.59% | 8.99% | 9.25% | 11.43% | +271 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.39% | 48.20% | 56.11% | 53.99% | 44.31% | 50.71% | 56.93% | 47.93% | -606 bps | |
| Liquid Assets / Assets | 53.55% | 47.15% | 40.78% | 42.07% | 50.73% | 44.03% | 37.93% | 12.86% | -2,920 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |