Sidney, MT · Cert 22039
FDIC · 1 branch
Q2 2021
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.45% | 2.22% | 7.54% | 4.31% | 3.25% | 2.49% | 2.41% | 1.75% | -256 bps | |
| Return on Equity | 16.82% | 15.36% | 63.59% | 39.57% | 31.21% | 24.96% | 28.18% | 20.34% | -1,923 bps | |
| Net Interest Margin | 4.13% | 3.80% | 3.22% | 3.07% | 2.93% | 2.60% | 3.78% | 3.05% | -2 bps | |
| Efficiency Ratio | 44.05% | 47.62% | 56.67% | 60.02% | 60.94% | 66.07% | 41.34% | 48.28% | -1,174 bps | |
| Non-Interest Burden | 1.60% | 1.61% | 1.66% | 1.70% | 1.66% | 1.61% | 1.38% | 1.32% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.44% | 1.81% | 2.70% | 9.10% | 10.57% | 10.16% | 20.09% | 15.50% | +640 bps | |
| Loan Growth (YoY) | -4.89% | -2.63% | -0.49% | 0.85% | -5.08% | -9.68% | -10.58% | -22.56% | -2,341 bps | |
| Deposit Growth (YoY) | -0.49% | 1.16% | 9.19% | 16.51% | 18.69% | 17.57% | 21.21% | 16.16% | -35 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 | -0.31% | -0.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 4.43% | 5.30% | 1.37% | 1.26% | 1.29% | 1.63% | 1.53% | 1.62% | +37 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 | 15.39% | 14.68% | 9.12% | 9.26% | 9.09% | 8.57% | 8.83% | 8.79% | -47 bps | |
| Total Risk-Based Capital | 32.47% | 38.39% | 22.75% | 23.48% | 24.62% | 30.44% | 30.04% | 27.24% | +376 bps | |
| Equity / Assets | 15.17% | 14.10% | 9.48% | 9.05% | 9.02% | 8.39% | 8.73% | 8.71% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.56% | 44.22% | 47.59% | 48.95% | 46.83% | 33.97% | 35.11% | 32.63% | -1,632 bps | |
| Liquid Assets / Assets | 45.00% | 57.98% | 52.62% | 48.94% | 39.38% | 62.92% | 61.05% | 61.05% | +1,211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |