Delano, MN · Cert 10198
FDIC · 1 branch
Q2 2018
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2018 SOD (annual) · 0.0% share · #84 of 149 inst. · $0.1B of $184.8B
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.44% | 0.77% | 0.92% | 0.98% | 1.13% | 0.99% | 1.11% | +18 bps | |
| Return on Equity | 22.88% | 18.63% | 9.36% | 11.09% | 11.80% | 13.48% | 11.43% | 12.75% | +165 bps | |
| Net Interest Margin | 2.88% | 2.87% | 2.86% | 3.04% | 2.99% | 2.94% | 3.02% | 3.04% | 0 bps | |
| Efficiency Ratio | 68.93% | 72.99% | 78.59% | 75.20% | 73.94% | 74.04% | 71.63% | 69.09% | -611 bps | |
| Non-Interest Burden | 1.39% | 1.64% | 2.10% | 2.12% | 2.01% | 1.95% | 2.02% | 1.94% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.08% | -4.53% | 3.72% | 3.37% | 5.62% | 5.98% | 5.27% | 7.54% | +417 bps | |
| Loan Growth (YoY) | -5.89% | -2.89% | -0.74% | 1.97% | 0.76% | -1.19% | -3.04% | 2.58% | +61 bps | |
| Deposit Growth (YoY) | -6.07% | -6.23% | 2.99% | 2.93% | 5.73% | 5.44% | 4.93% | 7.51% | +458 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | -0.20% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.44% | 1.45% | 1.45% | 1.43% | 1.43% | 1.40% | 1.43% | 1.33% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 78.6x | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.34% | 8.42% | 8.53% | 8.76% | 8.61% | 8.82% | 9.16% | 9.20% | +44 bps | |
| Total Risk-Based Capital | 15.98% | 16.30% | 16.78% | 16.74% | 17.03% | 18.17% | 19.32% | 18.94% | +220 bps | |
| Equity / Assets | 8.38% | 8.10% | 8.29% | 8.57% | 8.38% | 8.64% | 8.65% | 8.72% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.84% | 49.58% | 48.49% | 49.06% | 47.50% | 46.46% | 44.81% | 46.81% | -225 bps | |
| Liquid Assets / Assets | 25.58% | 26.84% | 29.76% | 27.27% | 32.40% | 36.10% | 39.82% | 40.87% | +1,360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |