Wolf Point, MT · Cert 341
FDIC · 1 branch
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.00% | 1.14% | 1.32% | 0.97% | 1.65% | 1.56% | -0.68% | -200 bps | |
| Return on Equity | 10.45% | 10.64% | 11.92% | 13.04% | 9.14% | 15.22% | 14.14% | -6.70% | -1,974 bps | |
| Net Interest Margin | 2.94% | 2.88% | 2.98% | 2.89% | 2.89% | 2.83% | 2.84% | 3.10% | +21 bps | |
| Efficiency Ratio | 66.46% | 67.46% | 65.89% | 62.98% | 69.91% | 68.83% | 51.28% | 107.61% | +4,463 bps | |
| Non-Interest Burden | 1.80% | 1.80% | 1.82% | 1.58% | 1.91% | 1.80% | 1.28% | 3.38% | +181 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.77% | 6.02% | 1.10% | 1.46% | -1.87% | 0.41% | 8.22% | 7.04% | +558 bps | |
| Loan Growth (YoY) | -4.25% | 2.85% | 0.33% | -6.24% | -6.79% | -2.35% | 7.31% | 15.90% | +2,214 bps | |
| Deposit Growth (YoY) | -0.59% | -2.95% | -6.46% | 4.83% | 0.02% | -3.56% | 12.32% | 6.02% | +119 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.67% | 0.23% | 0.25% | 0.07% | 0.42% | 0.60% | 1.06% | +80 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | -0.32% | -0.01% | 0.00% | 1.04% | -0.01% | -0.23% | -22 bps | |
| Allowance / Loans | 2.37% | 2.25% | 2.24% | 2.53% | 2.68% | 2.13% | 1.86% | 2.24% | -29 bps | |
| Allowance Coverage of NPLs | 9.7x | 3.3x | 9.9x | 10.0x | 36.1x | 5.0x | 3.1x | 2.1x | -7.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.42% | 10.42% | 10.79% | 11.01% | 10.86% | 11.01% | 10.82% | 8.51% | -251 bps | |
| Total Risk-Based Capital | 20.58% | 19.25% | 20.05% | 22.21% | 22.29% | 21.72% | 20.44% | 17.25% | -496 bps | |
| Equity / Assets | 9.43% | 9.39% | 9.79% | 10.51% | 10.76% | 10.95% | 11.13% | 9.10% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.88% | 51.87% | 57.00% | 45.71% | 43.68% | 52.52% | 54.46% | 49.97% | +426 bps | |
| Liquid Assets / Assets | 8.43% | 7.94% | 7.58% | 12.65% | 8.65% | 7.66% | 7.36% | 7.31% | -534 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |