PackageTrendsPeer
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Great Plains National Bank

Belfield, ND · Cert 3898

FDIC

Q1 2014

$217.1MAssets
$124.8MLoans
$193.3MDeposits
$23.2MEquity
Loan mix
77%RE $58.5M15%C&I $11.2M8%Consumer $6.1MQ2 2012Q1 2014
Deposit mix
78%Interest-bearing $151.5M22%Noninterest $41.8MQ2 2012Q1 2014

Executive Summary

  • Earnings: ROA of 2.31%, up 50 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 64.57% of deposits as of Q1 2014.

Return on Assets (quarter, annualized)

2.31%+50 bps YoY

Net Interest Margin (quarter, annualized)

3.30%-23 bps YoY

Efficiency Ratio (quarter, annualized)

38.50%-510 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.10%Q1 ’123.84%Q1 ’133.52%Q1 ’14-3%-6%

Non-interest income vs. expense

1.77%Q1 ’121.66%Q1 ’131.46%Q1 ’14-6%-33%

Discrete quarter, annualized.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets2.18%2.17%1.82%1.81%2.43%2.47%-6.29%2.31%+50 bps
Return on Equity24.19%23.33%19.83%20.51%26.76%25.89%-63.60%22.24%+173 bps
Net Interest Margin3.96%3.99%3.87%3.53%3.70%3.93%-11.01%3.30%-23 bps
Efficiency Ratio39.76%41.19%49.79%43.60%42.30%38.36%n/a38.50%-510 bps
Non-Interest Burden1.44%1.51%1.74%1.44%1.47%1.35%-4.21%0.97%-47 bps
Growth
Asset Growth (YoY)20.95%16.72%16.57%15.64%5.33%4.76%15.31%12.79%-285 bps
Loan Growth (YoY)16.46%11.42%10.40%3.11%4.14%2.56%9.10%14.32%+1,121 bps
Deposit Growth (YoY)24.29%20.10%17.04%15.92%5.25%4.85%13.88%10.67%-525 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.03%-0.02%0.00%0.00%0.01%0.00%+2 bps
Allowance / Loans1.35%1.40%1.51%1.66%1.48%1.52%0.00%0.00%-166 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.80%12.17%12.54%13.52%12.71%13.46%11.35%12.68%-84 bps
Equity / Assets9.10%9.47%8.87%8.81%9.41%9.67%10.07%10.69%+188 bps
Liquidity & Funding
Loans / Deposits77.23%78.39%68.75%62.51%76.42%76.67%65.86%64.57%+206 bps
Liquid Assets / Assets0.00%0.00%0.00%9.82%0.51%0.52%3.69%13.34%+352 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a