Warner, SD · Cert 6074
FDIC · 2 branches
Q2 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.56% | 1.07% | 1.80% | -0.59% | 0.83% | 1.02% | 2.14% | 0.67% | +127 bps | |
| Return on Equity | 31.74% | 9.63% | 16.13% | -5.41% | 6.35% | 6.95% | 15.03% | 4.77% | +1,018 bps | |
| Net Interest Margin | 4.52% | 4.12% | 4.45% | 4.41% | -4.99% | 4.66% | 4.69% | 4.53% | +12 bps | |
| Efficiency Ratio | 44.23% | 76.32% | 63.75% | 103.36% | 50.45% | 67.86% | 49.29% | 42.69% | -6,067 bps | |
| Non-Interest Burden | 0.90% | 3.09% | 2.59% | 4.60% | -5.08% | 3.27% | 2.30% | 1.71% | -289 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 | -0.04% | -0.10% | -0.02% | -0.06% | 0.06% | -0.05% | -0.05% | -0.05% | +2 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 |