Big Lake, MN · Cert 1414
FDIC · 23 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Big Lake, MN · Cert 1414
FDIC · 23 branches
Q3 2018
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2018 SOD (annual) · 0.9% share · #9 of 149 inst. · $1.6B 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.10% | 1.30% | 1.38% | 1.36% | 1.50% | 1.62% | 1.87% | +49 bps | |
| Return on Equity | 10.38% | 10.75% | 12.59% | 13.34% | 13.19% | 14.96% | 16.20% | 18.63% | +529 bps | |
| Net Interest Margin | 3.00% | 3.08% | 3.10% | 3.15% | 3.07% | 3.33% | 3.32% | 3.45% | +30 bps | |
| Efficiency Ratio | 72.90% | 71.53% | 67.65% | 66.15% | 66.00% | 66.48% | 63.04% | 59.78% | -637 bps | |
| Non-Interest Burden | 1.91% | 1.93% | 1.77% | 1.73% | 1.69% | 1.92% | 1.75% | 1.60% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | 1.82% | 2.15% | 2.88% | 4.72% | 3.11% | 0.88% | -0.66% | -354 bps | |
| Loan Growth (YoY) | 8.31% | 10.18% | 9.11% | 8.41% | 8.78% | 6.53% | 3.31% | 0.90% | -750 bps | |
| Deposit Growth (YoY) | 1.19% | 3.82% | 3.16% | 5.36% | 6.29% | 6.77% | 5.46% | 2.25% | -311 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.97% | 0.78% | 0.93% | 0.78% | 0.90% | 0.69% | 0.49% | -45 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.01% | 0.01% | 0.04% | 0.05% | 0.05% | 0.01% | +1 bps | |
| Allowance / Loans | 1.36% | 1.35% | 1.31% | 1.27% | 1.21% | 1.21% | 1.20% | 1.21% | -5 bps | |
| Allowance Coverage of NPLs | n/a | 1.4x | 1.7x | 1.4x | 1.5x | 1.3x | 1.7x | 2.5x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.99% | 9.25% | 9.23% | 9.14% | 8.96% | 9.45% | 9.42% | 10.03% | +88 bps | |
| Total Risk-Based Capital | 13.61% | 13.74% | 13.58% | 13.15% | 13.19% | 13.69% | 13.92% | 14.44% | +129 bps | |
| Equity / Assets | 10.15% | 10.39% | 10.47% | 10.30% | 10.08% | 9.94% | 10.00% | 10.09% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.97% | 62.99% | 64.58% | 64.38% | 64.45% | 62.85% | 63.27% | 63.53% | -85 bps | |
| Liquid Assets / Assets | 0.38% | 0.21% | 0.20% | 0.28% | 0.02% | 1.75% | 0.66% | 1.02% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |