Warner, SD · Cert 6074
FDIC · 2 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Warner, SD · Cert 6074
FDIC · 2 branches
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.42% | 2.07% | 1.80% | 0.59% | 0.67% | 0.76% | 2.14% | 1.39% | +80 bps | |
| Return on Equity | 22.62% | 19.29% | 16.13% | 5.38% | 5.54% | 6.06% | 15.03% | 9.86% | +448 bps | |
| Net Interest Margin | 4.36% | 4.19% | 4.45% | 4.43% | 1.24% | 2.07% | 4.69% | 4.60% | +18 bps | |
| Efficiency Ratio | 54.54% | 59.23% | 63.75% | 84.41% | 45.15% | 57.87% | 49.29% | 45.92% | -3,849 bps | |
| Non-Interest Burden | 1.88% | 2.13% | 2.59% | 3.59% | 0.57% | 1.23% | 2.30% | 2.00% | -159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.23% | -0.55% | 0.73% | 13.53% | 7.94% | 18.04% | 22.46% | 21.00% | +748 bps | |
| Loan Growth (YoY) | 2.85% | 6.36% | 9.39% | 16.29% | 3.44% | 13.98% | 26.55% | 22.83% | +654 bps | |
| Deposit Growth (YoY) | -0.87% | -2.14% | -1.62% | -2.42% | 8.46% | 10.65% | 8.58% | 12.56% | +1,498 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.10% | 5.01% | 2.70% | 1.84% | 1.93% | 2.18% | -283 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.02% | -0.02% | -0.04% | -0.01% | -0.02% | -0.05% | -0.05% | 0 bps | |
| Allowance / Loans | 1.35% | 1.37% | 1.45% | 1.43% | 0.01% | 0.02% | 0.03% | 0.61% | -82 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.3x | 0.3x | 0.0x | 0.0x | 0.0x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.11% | 10.88% | 10.93% | 10.77% | 11.96% | 11.96% | 10.79% | 10.99% | +23 bps | |
| Total Risk-Based Capital | 13.45% | 13.27% | 13.97% | 12.64% | 13.07% | 12.19% | 11.86% | 11.94% | -70 bps | |
| Equity / Assets | 11.21% | 10.94% | 11.35% | 10.53% | 15.41% | 14.01% | 14.44% | 13.85% | +332 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.90% | 92.87% | 91.50% | 110.87% | 96.23% | 95.67% | 106.64% | 120.99% | +1,011 bps | |
| Liquid Assets / Assets | 2.66% | 3.37% | 5.10% | 2.52% | 2.12% | 1.90% | 1.58% | 0.90% | -163 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |