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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.04% | 1.04% | 1.06% | 1.07% | 0.52% | 0.54% | 0.39% | -67 bps | |
| Return on Equity | 6.40% | 6.22% | 6.19% | 6.29% | 6.47% | 2.95% | 3.03% | 2.24% | -405 bps | |
| Net Interest Margin | 4.03% | 4.27% | 4.20% | 4.19% | 3.90% | 3.57% | 3.77% | 3.17% | -102 bps | |
| Efficiency Ratio | 68.53% | 67.55% | 67.21% | 66.60% | 66.43% | 75.22% | 73.32% | 77.20% | +1,060 bps | |
| Non-Interest Burden | 2.70% | 2.84% | 2.77% | 2.74% | 2.55% | 2.52% | 2.78% | 2.40% | -34 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 | -0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.07% | -7 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 |