Red Lake Falls, MN · Cert 8202
FDIC · 2 branches
Q4 2018
Market Position · Grand Forks, ND-MN · 2018 SOD (annual) · 0.4% share · #20 of 20 inst. · $0.0B of $2.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.00% | 1.14% | 1.52% | 1.05% | 1.29% | 1.19% | 1.25% | -26 bps | |
| Return on Equity | 10.31% | 11.58% | 14.18% | 19.28% | 12.87% | 15.45% | 14.39% | 15.44% | -384 bps | |
| Net Interest Margin | 4.08% | 4.32% | 4.12% | 4.04% | 3.95% | 4.04% | 4.12% | 3.95% | -9 bps | |
| Efficiency Ratio | 84.11% | 81.91% | 79.36% | 72.56% | 82.50% | 75.52% | 77.15% | 75.98% | +342 bps | |
| Non-Interest Burden | 3.05% | 3.15% | 2.85% | 2.41% | 2.91% | 2.60% | 2.75% | 2.51% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.23% | 7.50% | 11.74% | 9.65% | 9.88% | 5.70% | 6.34% | 10.42% | +77 bps | |
| Loan Growth (YoY) | 15.85% | 13.22% | 15.66% | 13.09% | 13.48% | 13.29% | 5.40% | 7.54% | -555 bps | |
| Deposit Growth (YoY) | 6.48% | 8.18% | 13.91% | 11.23% | 11.38% | 6.41% | 6.44% | 11.18% | -5 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.09% | 1.19% | 1.51% | 1.68% | 1.37% | 1.62% | 1.08% | 0.38% | -130 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.01% | 0.84% | 0.02% | 0.04% | -0.02% | 0.02% | -82 bps | |
| Allowance / Loans | 1.57% | 1.50% | 1.45% | 1.28% | 1.28% | 1.22% | 1.29% | 1.32% | +4 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.3x | 1.0x | 0.8x | 0.9x | 0.8x | 1.2x | 3.5x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.70% | 9.01% | 7.83% | 8.07% | 8.30% | 8.71% | 8.45% | 8.34% | +28 bps | |
| Total Risk-Based Capital | 13.21% | 12.87% | 11.48% | 12.09% | 12.61% | 12.00% | 12.29% | 12.27% | +18 bps | |
| Equity / Assets | 8.78% | 8.45% | 7.70% | 8.06% | 8.33% | 8.37% | 8.18% | 8.08% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.92% | 93.06% | 94.53% | 94.52% | 94.67% | 99.07% | 93.61% | 91.42% | -309 bps | |
| Liquid Assets / Assets | 4.15% | 5.50% | 3.79% | 4.22% | 4.67% | 2.28% | 4.55% | 8.10% | +388 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |