Devils Lake, ND · Charter 60600
NCUA · 9 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Devils Lake, ND · Charter 60600
NCUA · 9 branches
Q4 2017
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 0.71% | 0.09% | 0.23% | -1.85% | -1.16% | -5.78% | -4.25% | -449 bps | |
| Return on Equity | 10.21% | 6.35% | 0.81% | 2.20% | -18.68% | -11.54% | -83.46% | -60.17% | -6,237 bps | |
| Net Interest Margin | 3.45% | 3.28% | 3.30% | 3.33% | 3.06% | 3.04% | 3.25% | 3.23% | -11 bps | |
| Efficiency Ratio | 75.79% | 82.04% | 95.05% | 88.68% | 97.86% | 99.11% | 99.99% | 97.76% | +908 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.80% | 9.04% | 9.63% | 4.72% | 8.31% | 3.11% | -4.99% | -6.27% | -1,099 bps | |
| Loan Growth (YoY) | 8.01% | 7.02% | 3.30% | 3.91% | 0.13% | -6.33% | -9.22% | -16.34% | -2,025 bps | |
| Share Growth (YoY) | 13.36% | 7.00% | 4.77% | 2.65% | 7.75% | 7.34% | 2.38% | -2.77% | -541 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.95% | 3.42% | 1.47% | 6.19% | 6.79% | 8.86% | 8.21% | 7.52% | +133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.12% | 1.18% | 1.36% | 1.87% | 1.42% | 6.10% | 6.35% | +499 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.32% | 11.11% | 10.55% | 10.63% | 9.93% | 10.06% | 6.93% | 7.07% | -356 bps | |
| Net Worth / Assets | 11.32% | 11.11% | 10.55% | 10.63% | 9.93% | 10.06% | 6.93% | 7.07% | -356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.07% | 108.19% | 104.61% | 99.30% | 93.92% | 94.41% | 92.75% | 85.44% | -1,386 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |