Great Falls, MT · Cert 57453
FDIC · 2 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Great Falls, MT · Cert 57453
FDIC · 2 branches
Q3 2019
Market Position · Great Falls, MT · 2019 SOD (annual) · 5.6% share · #5 of 11 inst. · $0.1B of $1.5B
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.81% | 1.00% | 1.06% | 1.15% | 0.96% | 1.08% | 0.70% | -37 bps | |
| Return on Equity | 8.28% | 8.20% | 10.02% | 10.47% | 11.18% | 8.99% | 10.03% | 6.51% | -396 bps | |
| Net Interest Margin | 4.01% | 4.14% | 4.25% | 4.19% | 4.13% | 4.08% | 4.03% | 4.07% | -13 bps | |
| Efficiency Ratio | 67.32% | 76.56% | 72.52% | 71.13% | 69.43% | 72.20% | 69.54% | 80.75% | +962 bps | |
| Non-Interest Burden | 2.44% | 3.02% | 2.87% | 2.76% | 2.62% | 2.77% | 2.56% | 3.12% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | -6.53% | -1.24% | -4.66% | 1.34% | 6.60% | 4.79% | 8.49% | +1,315 bps | |
| Loan Growth (YoY) | 1.74% | -3.51% | 2.06% | 7.82% | 9.46% | 9.98% | 8.39% | 13.21% | +539 bps | |
| Deposit Growth (YoY) | -0.88% | -7.99% | -2.18% | -6.11% | 0.22% | 6.43% | 4.45% | 7.83% | +1,394 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.07% | 0.00% | 0.05% | 0.05% | 0.04% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.19% | -0.02% | -0.01% | -0.07% | 0.02% | -0.05% | -0.02% | -0.02% | +5 bps | |
| Allowance / Loans | 2.46% | 2.46% | 2.37% | 2.31% | 2.23% | 2.22% | 2.17% | 1.99% | -32 bps | |
| Allowance Coverage of NPLs | 1573.0x | n/a | 35.0x | n/a | 43.3x | 49.0x | 58.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.44% | 10.08% | 10.39% | 10.49% | 10.54% | 10.88% | 11.05% | 10.77% | +28 bps | |
| Total Risk-Based Capital | 15.00% | 15.25% | 14.95% | 14.85% | 15.21% | 15.43% | 15.62% | 14.43% | -43 bps | |
| Equity / Assets | 9.66% | 10.15% | 10.30% | 10.59% | 10.64% | 10.67% | 11.01% | 10.62% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.62% | 82.81% | 84.82% | 89.12% | 86.96% | 85.57% | 88.02% | 93.57% | +445 bps | |
| Liquid Assets / Assets | 22.28% | 20.70% | 18.98% | 15.91% | 16.59% | 17.82% | 16.92% | 12.86% | -305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |