Milnor, ND · Cert 3948
FDIC · 2 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.53% | 0.77% | 1.15% | 0.74% | -0.02% | 0.35% | 0.45% | -70 bps | |
| Return on Equity | 5.85% | 3.33% | 4.77% | 7.02% | 4.65% | -0.16% | 2.58% | 3.28% | -375 bps | |
| Net Interest Margin | 3.43% | 3.33% | 3.35% | 3.77% | 3.46% | 1.85% | 2.51% | 2.79% | -98 bps | |
| Efficiency Ratio | 75.94% | 85.37% | 79.09% | 71.99% | 83.51% | 87.39% | 73.64% | 71.49% | -51 bps | |
| Non-Interest Burden | 2.53% | 2.79% | 2.58% | 2.62% | 2.84% | 1.81% | 2.07% | 2.24% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.76% | -0.52% | -1.10% | -4.58% | 5.93% | 5.39% | -2.91% | 0.65% | +523 bps | |
| Loan Growth (YoY) | -5.97% | -8.11% | -0.79% | -7.04% | -12.01% | -11.92% | -20.08% | -13.44% | -640 bps | |
| Deposit Growth (YoY) | -6.88% | 1.59% | -0.18% | -2.31% | 9.25% | 9.72% | 4.24% | 5.03% | +734 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 1.06% | 0.21% | +21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 1.03% | 0.92% | 0.99% | 1.06% | 0.00% | 0.00% | 0.00% | -99 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.0x | 0.0x | 0.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.85% | 15.47% | 15.55% | 15.95% | 14.58% | 9.48% | 10.12% | 10.69% | -525 bps | |
| Total Risk-Based Capital | 23.42% | 25.19% | 23.78% | 25.73% | 25.31% | 17.64% | 17.30% | 17.84% | -789 bps | |
| Equity / Assets | 15.56% | 16.28% | 16.39% | 17.16% | 14.25% | 12.54% | 13.84% | 13.87% | -329 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.22% | 59.59% | 68.14% | 63.38% | 52.53% | 47.84% | 52.24% | 52.23% | -1,115 bps | |
| Liquid Assets / Assets | 4.48% | 4.63% | 4.56% | 4.70% | 4.27% | 4.38% | 3.58% | 3.55% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |