Fingal, ND · Cert 9425
FDIC · 2 branches
Q1 2018
Market Position · Fargo, ND-MN · 2017 SOD (annual) · 0.2% share · #26 of 28 inst. · $0.0B of $7.6B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 0.99% | 1.24% | 0.97% | 1.31% | +19 bps | |
| Return on Equity | 11.88% | 10.45% | 12.32% | 9.24% | 12.57% | +69 bps | |
| Net Interest Margin | 3.16% | 2.97% | 3.36% | 3.40% | 3.18% | +2 bps | |
| Efficiency Ratio | 67.30% | 67.36% | 61.07% | 69.05% | 61.13% | -617 bps | |
| Non-Interest Burden | 2.07% | 1.98% | 2.05% | 2.30% | 1.90% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.27% | -1.68% | -6.68% | -3.45% | -5.01% | -629 bps | |
| Loan Growth (YoY) | -0.99% | -7.26% | -7.13% | 5.73% | 9.24% | +1,022 bps | |
| Deposit Growth (YoY) | 0.47% | -2.32% | -7.53% | -4.41% | -6.14% | -661 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.97% | 0.92% | 0.86% | 0.91% | +91 bps | |
| Net Charge-Offs / Loans | -0.09% | 0.37% | -0.08% | -0.05% | -0.08% | +1 bps | |
| Allowance / Loans | 1.65% | 1.50% | 1.44% | 1.38% | 1.48% | -17 bps | |
| Allowance Coverage of NPLs | n/a | 1.5x | 1.6x | 1.6x | 1.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.97% | 9.00% | 9.99% | 10.27% | 10.04% | +107 bps | |
| Total Risk-Based Capital | 12.41% | 12.20% | 12.07% | 12.13% | 12.91% | +51 bps | |
| Equity / Assets | 9.29% | 9.69% | 10.45% | 10.53% | 10.32% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.39% | 84.77% | 96.29% | 98.95% | 88.90% | +1,251 bps | |
| Liquid Assets / Assets | 12.77% | 5.02% | 4.38% | 2.61% | 4.91% | -785 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |