Twin Bridges, MT · Cert 2203
FDIC · 2 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Twin Bridges, MT · Cert 2203
FDIC · 2 branches
Q4 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | 2.04% | 2.03% | 2.06% | 1.96% | 2.16% | 2.49% | 2.68% | +61 bps | |
| Return on Equity | 12.94% | 14.09% | 13.93% | 14.29% | 13.81% | 14.92% | 17.01% | 18.21% | +392 bps | |
| Net Interest Margin | 4.24% | 4.26% | 4.40% | 4.39% | 4.29% | 4.36% | 4.35% | 4.45% | +6 bps | |
| Efficiency Ratio | 59.23% | 55.59% | 57.40% | 56.46% | 57.45% | 54.04% | 53.72% | 52.18% | -428 bps | |
| Non-Interest Burden | 2.39% | 2.24% | 2.40% | 2.35% | 2.33% | 2.21% | 2.18% | 2.17% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.16% | 7.20% | 3.53% | 0.72% | -2.61% | -1.74% | -0.12% | 3.05% | +233 bps | |
| Loan Growth (YoY) | -3.80% | -3.36% | -4.85% | -2.52% | -0.21% | -0.35% | 1.55% | 7.69% | +1,021 bps | |
| Deposit Growth (YoY) | 5.28% | 5.74% | 2.95% | 1.19% | -2.84% | -1.21% | -0.34% | 1.88% | +68 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.20% | 1.18% | 1.39% | 1.10% | +110 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.12% | -0.06% | 0.37% | 0.18% | 0.08% | 0.05% | +11 bps | |
| Allowance / Loans | 2.97% | 2.89% | 2.99% | 3.10% | 2.94% | 2.87% | 2.46% | 2.28% | -82 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.5x | 2.4x | 1.8x | 2.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.32% | 14.25% | 14.39% | 14.67% | 15.00% | 15.34% | 15.56% | 15.57% | +91 bps | |
| Total Risk-Based Capital | 22.28% | 22.23% | 22.75% | 23.75% | 23.57% | 23.55% | 23.40% | 23.99% | +24 bps | |
| Equity / Assets | 14.25% | 14.78% | 14.79% | 13.98% | 14.45% | 15.10% | 14.98% | 14.99% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.70% | 70.49% | 68.76% | 66.23% | 68.50% | 71.11% | 70.06% | 70.00% | +378 bps | |
| Liquid Assets / Assets | 2.83% | 0.71% | 3.21% | 4.19% | 2.41% | 2.63% | 4.84% | 4.47% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |