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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.10% | 1.50% | 1.53% | 1.29% | 1.50% | 1.75% | 2.37% | +84 bps | |
| Return on Equity | 10.28% | 10.75% | 14.40% | 14.70% | 12.70% | 14.96% | 17.56% | 23.56% | +886 bps | |
| Net Interest Margin | 3.06% | 3.08% | 3.20% | 3.25% | 3.20% | 3.33% | 3.39% | 3.51% | +26 bps | |
| Efficiency Ratio | 73.52% | 71.53% | 64.05% | 63.31% | 65.55% | 66.48% | 59.82% | 54.16% | -915 bps | |
| Non-Interest Burden | 1.98% | 1.93% | 1.66% | 1.66% | 1.77% | 1.92% | 1.63% | 1.19% | -47 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 | 0.03% | 0.00% | -0.03% | 0.05% | 0.13% | 0.05% | 0.04% | -0.05% | -10 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 |