Cambridge, MN · Cert 10192
FDIC · 5 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cambridge, MN · Cert 10192
FDIC · 5 branches
Q3 2017
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.1% share · #33 of 153 inst. · $0.3B of $189.3B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.06% | 1.04% | 1.15% | 1.20% | 1.06% | 1.27% | 1.43% | +28 bps | |
| Return on Equity | 10.11% | 8.96% | 8.66% | 9.59% | 10.20% | 9.48% | 11.18% | 12.54% | +296 bps | |
| Net Interest Margin | 3.38% | 3.55% | 3.48% | 3.50% | 3.52% | 3.45% | 3.51% | 3.45% | -5 bps | |
| Efficiency Ratio | 73.31% | 77.10% | 76.37% | 74.01% | 73.17% | 74.11% | 70.02% | 67.56% | -645 bps | |
| Non-Interest Burden | 2.26% | 2.57% | 2.48% | 2.39% | 2.35% | 2.37% | 2.23% | 2.04% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.42% | 3.36% | 7.33% | 4.32% | -0.91% | 0.52% | -0.87% | 0.66% | -366 bps | |
| Loan Growth (YoY) | 9.51% | 2.65% | 4.64% | 11.43% | 4.35% | 4.49% | 0.59% | -4.11% | -1,555 bps | |
| Deposit Growth (YoY) | 8.74% | 3.70% | 7.71% | 4.33% | -0.55% | 1.42% | -0.60% | 1.34% | -300 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.91% | 1.76% | 1.65% | +165 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.38% | 0.23% | 0.17% | 1.75% | 0.87% | 0.57% | +34 bps | |
| Allowance / Loans | 2.17% | 2.19% | 1.99% | 1.90% | 1.90% | 1.50% | 1.55% | 1.55% | -35 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.5x | 0.9x | 0.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.95% | 11.29% | 11.14% | 11.15% | 11.12% | 11.30% | 11.34% | 11.16% | +1 bps | |
| Total Risk-Based Capital | 17.44% | 17.96% | 17.70% | 17.12% | 17.27% | 17.42% | 17.93% | 17.98% | +86 bps | |
| Equity / Assets | 11.55% | 12.14% | 12.16% | 12.01% | 11.09% | 11.27% | 11.83% | 11.37% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.18% | 64.63% | 65.13% | 67.29% | 67.35% | 66.58% | 65.90% | 63.67% | -362 bps | |
| Liquid Assets / Assets | 2.01% | 4.33% | 2.96% | 2.92% | 4.05% | 4.90% | 5.76% | 8.29% | +538 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |