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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.00% | 0.98% | 1.12% | 1.07% | 1.13% | 1.09% | 1.31% | +19 bps | |
| Return on Equity | 10.63% | 11.12% | 10.73% | 11.88% | 11.21% | 11.55% | 10.96% | 12.57% | +69 bps | |
| Net Interest Margin | 3.17% | 3.31% | 3.21% | 3.16% | 3.11% | 3.35% | 3.38% | 3.18% | +2 bps | |
| Efficiency Ratio | 71.37% | 70.50% | 70.12% | 67.30% | 67.33% | 65.28% | 66.23% | 61.13% | -617 bps | |
| Non-Interest Burden | 2.23% | 2.29% | 2.21% | 2.07% | 2.06% | 2.16% | 2.21% | 1.90% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | 5.09% | 1.12% | 1.27% | -1.68% | -6.68% | -3.45% | -5.01% | -629 bps | |
| Loan Growth (YoY) | 0.63% | 8.74% | 0.02% | -0.99% | -7.26% | -7.13% | 5.73% | 9.24% | +1,022 bps | |
| Deposit Growth (YoY) | 5.43% | 3.01% | 0.27% | 0.47% | -2.32% | -7.53% | -4.41% | -6.14% | -661 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.97% | 0.92% | 0.86% | 0.91% | +91 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.09% | -0.09% | -0.09% | 0.14% | 0.06% | 0.03% | -0.08% | +1 bps | |
| Allowance / Loans | 1.41% | 1.36% | 1.49% | 1.65% | 1.50% | 1.44% | 1.38% | 1.48% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.5x | 1.6x | 1.6x | 1.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.67% | 9.10% | 8.95% | 8.97% | 9.00% | 9.99% | 10.27% | 10.04% | +107 bps | |
| Total Risk-Based Capital | 10.80% | 11.31% | 12.17% | 12.41% | 12.20% | 12.07% | 12.13% | 12.91% | +51 bps | |
| Equity / Assets | 9.09% | 9.30% | 9.64% | 9.29% | 9.69% | 10.45% | 10.53% | 10.32% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.29% | 95.88% | 89.46% | 76.39% | 84.77% | 96.29% | 98.95% | 88.90% | +1,251 bps | |
| Liquid Assets / Assets | 3.94% | 3.76% | 5.88% | 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 | n/a | n/a | n/a |