Belgrade, MN · Cert 10179
FDIC · 3 branches
Q3 2018
Market Position · St. Cloud, MN · 2018 SOD (annual) · 1.1% share · #20 of 30 inst. · $0.1B of $5.2B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.90% | 0.48% | 0.80% | 0.87% | +19 bps | |
| Return on Equity | 5.76% | 7.53% | 3.93% | 6.43% | 6.92% | +116 bps | |
| Net Interest Margin | 3.41% | 3.37% | 3.48% | 3.55% | 3.73% | +31 bps | |
| Efficiency Ratio | 81.44% | 82.73% | 86.84% | 84.06% | 81.53% | +8 bps | |
| Non-Interest Burden | 2.73% | 2.75% | 2.99% | 2.94% | 2.99% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.06% | 2.27% | 1.84% | -4.94% | -6.56% | -1,263 bps | |
| Loan Growth (YoY) | 0.46% | 4.71% | -1.48% | 1.95% | -1.21% | -167 bps | |
| Deposit Growth (YoY) | 6.97% | 4.36% | 6.63% | -1.62% | -3.61% | -1,059 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.62% | 0.44% | 0.62% | 2.24% | 2.15% | +152 bps | |
| Net Charge-Offs / Loans | -0.21% | -0.33% | 0.00% | 0.00% | -0.01% | +20 bps | |
| Allowance / Loans | 2.49% | 2.27% | 2.40% | 2.15% | 2.14% | -35 bps | |
| Allowance Coverage of NPLs | 4.0x | 5.1x | 3.9x | 1.0x | 1.0x | -3.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.96% | 12.00% | 12.65% | 12.91% | 13.18% | +122 bps | |
| Total Risk-Based Capital | 18.02% | 18.51% | 18.87% | 19.72% | 20.13% | +211 bps | |
| Equity / Assets | 11.63% | 12.23% | 12.14% | 12.83% | 12.85% | +121 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.85% | 76.72% | 70.70% | 77.32% | 76.71% | +187 bps | |
| Liquid Assets / Assets | 19.51% | 12.57% | 17.07% | 11.24% | 12.62% | -689 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |