Billings, MT · Cert 58199
FDIC · 1 branch
Q3 2020
Market Position · Billings, MT · 2020 SOD (annual) · 0.9% share · #9 of 12 inst. · $0.1B of $6.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.04% | 1.04% | 1.09% | 1.14% | 0.52% | 0.55% | 0.13% | -97 bps | |
| Return on Equity | 7.89% | 6.22% | 6.17% | 6.47% | 7.00% | 2.95% | 2.97% | 0.74% | -573 bps | |
| Net Interest Margin | 4.25% | 4.27% | 4.20% | 4.26% | 3.84% | 3.57% | 4.43% | 2.45% | -181 bps | |
| Efficiency Ratio | 61.71% | 67.55% | 66.87% | 65.42% | 65.91% | 75.22% | 71.98% | 88.31% | +2,290 bps | |
| Non-Interest Burden | 2.57% | 2.84% | 2.76% | 2.74% | 2.48% | 2.52% | 3.36% | 1.98% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.88% | -1.59% | 0.87% | 5.61% | 13.42% | 24.06% | 36.72% | 43.42% | +3,781 bps | |
| Loan Growth (YoY) | -9.30% | 0.41% | 1.94% | -2.86% | 11.43% | -1.01% | 25.59% | 41.31% | +4,416 bps | |
| Deposit Growth (YoY) | -4.71% | -3.14% | -0.22% | 5.14% | 14.62% | 20.62% | 35.53% | 44.54% | +3,940 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.22% | -22 bps | |
| Allowance / Loans | 2.16% | 2.01% | 2.06% | 2.12% | 1.95% | 0.02% | 0.03% | 0.10% | -202 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.56% | 15.93% | 15.92% | 15.98% | 15.33% | 16.15% | 13.49% | 12.71% | -328 bps | |
| Total Risk-Based Capital | 19.96% | 19.32% | 19.85% | 20.21% | 18.96% | 19.66% | 15.72% | 14.54% | -567 bps | |
| Equity / Assets | 16.76% | 16.64% | 17.06% | 16.72% | 15.76% | 19.24% | 17.75% | 16.35% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.72% | 99.13% | 98.54% | 92.08% | 92.08% | 81.36% | 91.31% | 90.02% | -206 bps | |
| Liquid Assets / Assets | 0.32% | 0.32% | 0.33% | 0.34% | 0.29% | 0.28% | 0.24% | 0.21% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |