Summit, SD · Cert 9950
FDIC · 3 branches
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.06% | 3.09% | 2.69% | 2.73% | 2.69% | -38 bps | |
| Return on Equity | 27.66% | 27.77% | 24.03% | 24.87% | 24.84% | -283 bps | |
| Net Interest Margin | 4.79% | 4.92% | 4.61% | 4.60% | 4.61% | -18 bps | |
| Efficiency Ratio | 35.98% | 36.92% | 39.64% | 37.64% | 37.73% | +175 bps | |
| Non-Interest Burden | 1.46% | 1.54% | 1.64% | 1.54% | 1.53% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.50% | 9.36% | 7.35% | 9.27% | 4.52% | -298 bps | |
| Loan Growth (YoY) | 12.19% | 14.72% | 9.60% | 6.70% | 5.80% | -640 bps | |
| Deposit Growth (YoY) | 4.55% | 5.42% | 2.19% | 4.20% | 1.98% | -257 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.92% | 2.68% | 2.62% | 1.36% | 3.72% | +279 bps | |
| Net Charge-Offs / Loans | -0.12% | 0.77% | 0.01% | -0.01% | 0.04% | +17 bps | |
| Allowance / Loans | 1.43% | 1.30% | 1.37% | 1.34% | 1.37% | -6 bps | |
| Allowance Coverage of NPLs | 1.6x | 0.5x | 0.5x | 1.0x | 0.4x | -1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.04% | 11.10% | 11.36% | 11.37% | 11.15% | +11 bps | |
| Total Risk-Based Capital | 11.81% | 11.80% | 11.88% | 11.65% | 11.94% | +13 bps | |
| Equity / Assets | 11.12% | 11.16% | 11.22% | 10.73% | 10.91% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.02% | 88.96% | 89.07% | 90.30% | 93.39% | +337 bps | |
| Liquid Assets / Assets | 2.78% | 3.10% | 3.10% | 2.93% | 2.99% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |