Devils Lake, ND · Cert 3914
FDIC · 6 branches
Q2 2022
Market Position · Fargo, ND-MN · 2022 SOD (annual) · 0.3% share · #25 of 31 inst. · $0.0B of $12.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 0.99% | 1.16% | 0.75% | 0.78% | -73 bps | |
| Return on Equity | 12.08% | 7.84% | 9.21% | 6.44% | 7.65% | -443 bps | |
| Net Interest Margin | 3.16% | 2.99% | 3.26% | 2.77% | 3.20% | +5 bps | |
| Efficiency Ratio | 52.86% | 59.04% | 36.76% | 66.47% | 61.14% | +828 bps | |
| Non-Interest Burden | 1.52% | 1.63% | 0.83% | 1.74% | 1.83% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.29% | 19.74% | 13.33% | 4.69% | 0.66% | -1,663 bps | |
| Loan Growth (YoY) | -12.54% | -7.61% | 4.25% | 8.24% | 2.88% | +1,542 bps | |
| Deposit Growth (YoY) | 19.98% | 23.20% | 14.30% | 7.86% | 5.91% | -1,407 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.00% | 0.00% | 0.00% | -14 bps | |
| Allowance / Loans | 0.05% | 0.33% | 0.55% | 0.57% | 0.66% | +61 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 61.5x | 61.6x | 73.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.17% | 9.06% | 9.31% | 9.04% | 9.53% | +36 bps | |
| Total Risk-Based Capital | 9.17% | 9.06% | 9.31% | 9.04% | 9.53% | +36 bps | |
| Equity / Assets | 12.69% | 12.63% | 12.63% | 10.74% | 9.77% | -292 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.39% | 67.89% | 69.82% | 62.78% | 65.46% | -193 bps | |
| Liquid Assets / Assets | 4.94% | 3.21% | 0.09% | 3.62% | 1.36% | -358 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |