Washburn, ND · Cert 9122
FDIC · 1 branch
Q4 2021
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.90% | 1.10% | 0.88% | 0.71% | -10 bps | |
| Return on Equity | 7.49% | 9.18% | 11.13% | 8.90% | 7.24% | -24 bps | |
| Net Interest Margin | 3.28% | 3.22% | 3.32% | 3.23% | 2.98% | -30 bps | |
| Efficiency Ratio | 69.83% | 65.75% | 61.24% | 64.99% | 70.95% | +112 bps | |
| Non-Interest Burden | 2.18% | 2.02% | 1.91% | 1.99% | 2.03% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.66% | 17.93% | 15.11% | 13.06% | 7.94% | -872 bps | |
| Loan Growth (YoY) | -7.49% | 6.14% | 1.59% | 5.99% | 12.67% | +2,016 bps | |
| Deposit Growth (YoY) | 17.90% | 19.50% | 16.54% | 14.58% | 9.19% | -872 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.26% | 0.24% | 0.23% | 0.00% | -59 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.41% | 0.18% | 0.14% | 0.23% | +23 bps | |
| Allowance / Loans | 1.80% | 1.62% | 1.57% | 1.60% | 1.58% | -22 bps | |
| Allowance Coverage of NPLs | 3.1x | 6.1x | 6.5x | 6.9x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.21% | 9.46% | 9.66% | 9.90% | 9.22% | -99 bps | |
| Total Risk-Based Capital | 10.21% | 9.46% | 9.66% | 9.90% | 9.22% | -99 bps | |
| Equity / Assets | 10.15% | 9.53% | 10.00% | 10.10% | 9.23% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.95% | 53.61% | 58.44% | 62.52% | 55.67% | +172 bps | |
| Liquid Assets / Assets | 6.14% | 5.41% | 5.86% | 4.91% | 4.67% | -146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |