Glasgow, MT · Cert 27518
FDIC · 1 branch
Q3 2019
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 1.06% | 0.75% | 0.94% | 0.49% | -57 bps | |
| Return on Equity | 11.11% | 10.94% | 7.06% | 8.67% | 4.71% | -641 bps | |
| Net Interest Margin | 4.08% | 4.17% | 3.90% | 4.08% | 4.34% | +26 bps | |
| Efficiency Ratio | 65.28% | 65.17% | 71.21% | 66.49% | 74.47% | +920 bps | |
| Non-Interest Burden | 2.41% | 2.48% | 2.61% | 2.52% | 3.06% | +65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.26% | 1.30% | -1.71% | -10.33% | -9.42% | -1,668 bps | |
| Loan Growth (YoY) | -4.50% | 1.96% | -6.93% | -1.04% | -4.79% | -29 bps | |
| Deposit Growth (YoY) | 7.25% | 0.21% | -3.09% | -12.56% | -8.41% | -1,566 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.06% | 0.79% | 0.20% | 0.04% | 0.00% | -106 bps | |
| Net Charge-Offs / Loans | 0.60% | 0.38% | 0.58% | 0.39% | 0.26% | -34 bps | |
| Allowance / Loans | 0.82% | 1.11% | 1.12% | 1.14% | 1.57% | +75 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.4x | 5.6x | 31.9x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.16% | 10.46% | 10.74% | 11.13% | 8.57% | -159 bps | |
| Total Risk-Based Capital | 20.41% | 21.97% | 23.16% | 22.48% | 16.67% | -374 bps | |
| Equity / Assets | 10.05% | 10.46% | 10.81% | 11.31% | 8.91% | -114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.10% | 69.34% | 68.29% | 72.49% | 77.02% | +292 bps | |
| Liquid Assets / Assets | 20.37% | 24.95% | 26.54% | 23.43% | 16.59% | -378 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |