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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.97% | 0.96% | 0.17% | -0.24% | -102 bps | |
| Return on Equity | 9.41% | 11.22% | 10.97% | 1.87% | -2.54% | -1,195 bps | |
| Net Interest Margin | 2.64% | 2.58% | 2.64% | 2.83% | 0.63% | -201 bps | |
| Efficiency Ratio | 71.16% | 66.38% | 66.17% | 94.38% | 64.34% | -683 bps | |
| Non-Interest Burden | 1.83% | 1.64% | 1.68% | 2.66% | 0.39% | -144 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.26% | -3.67% | -5.81% | -4.96% | 5.10% | +1,036 bps | |
| Loan Growth (YoY) | 2.47% | -0.26% | -2.10% | -2.23% | -7.84% | -1,031 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.04% | -0.04% | -0.02% | 0.88% | +73 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.90% | 8.66% | 8.92% | 8.93% | 9.27% | +37 bps | |
| Total Risk-Based Capital | 19.01% | 21.92% | 19.77% | 18.25% | 17.44% | -157 bps | |
| Equity / Assets | 8.72% | 8.59% | 8.99% | 9.25% | 11.43% | +271 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.99% | 44.31% | 50.71% | 56.93% | 47.93% | -606 bps | |
| Liquid Assets / Assets | 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 |