Fargo, ND · Cert 58580
FDIC · 10 branches
Q3 2020
Market Position · Bismarck, ND · 2020 SOD (annual) · 2.0% share · #13 of 19 inst. · $0.1B of $5.1B
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 | 0.76% | 0.83% | 0.88% | -0.89% | 0.44% | 0.94% | 1.61% | 1.34% | +223 bps | |
| Return on Equity | 6.75% | 7.42% | 7.88% | -8.05% | 3.53% | 6.57% | 11.72% | 10.13% | +1,818 bps | |
| Net Interest Margin | 3.92% | 3.77% | 3.79% | 3.88% | -7.84% | 4.10% | 4.84% | 3.72% | -16 bps | |
| Efficiency Ratio | 76.78% | 75.91% | 73.97% | 125.11% | 69.11% | 71.36% | 57.05% | 64.17% | -6,093 bps | |
| Non-Interest Burden | 2.62% | 2.39% | 2.39% | 5.08% | -7.84% | 2.42% | 1.88% | 1.49% | -359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 6.83% | 7.03% | 5.03% | 0.25% | -0.94% | 9.31% | 11.88% | +685 bps | |
| Loan Growth (YoY) | 7.01% | 5.10% | 4.99% | 4.62% | -5.71% | -7.15% | 2.79% | 11.84% | +723 bps | |
| Deposit Growth (YoY) | 8.86% | 9.36% | 7.30% | 4.53% | -3.15% | -4.50% | 6.72% | 9.99% | +546 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.95% | 0.95% | 1.06% | 0.96% | 0.96% | 0.93% | 0.92% | 0.84% | -12 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.05% | 0.06% | 0.50% | -0.63% | 0.22% | -0.01% | 0.11% | -38 bps | |
| Allowance / Loans | 1.33% | 1.34% | 1.35% | 1.27% | 0.03% | 0.02% | 0.18% | 0.18% | -109 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.3x | 1.3x | 0.0x | 0.0x | 0.2x | 0.2x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.14% | 8.27% | 8.02% | 7.82% | 8.12% | 8.16% | 8.02% | 7.90% | +8 bps | |
| Total Risk-Based Capital | 11.22% | 11.33% | 11.29% | 11.02% | 10.58% | 10.31% | 10.89% | 10.58% | -44 bps | |
| Equity / Assets | 11.05% | 11.21% | 11.10% | 11.06% | 14.11% | 14.48% | 13.16% | 13.27% | +221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.44% | 92.79% | 91.21% | 91.81% | 89.02% | 90.21% | 87.85% | 93.35% | +154 bps | |
| Liquid Assets / Assets | 3.38% | 2.50% | 4.38% | 5.26% | 7.17% | 6.42% | 10.83% | 6.42% | +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 |