Greenbush, MN · Cert 15684
FDIC · 9 branches
Q3 2020
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2020 SOD (annual) · 0.0% share · #102 of 144 inst. · $0.1B of $218.0B
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.96% | 0.80% | 0.89% | 0.98% | +5 bps | |
| Return on Equity | 9.56% | 9.86% | 8.15% | 9.04% | 9.95% | +39 bps | |
| Net Interest Margin | 3.35% | 3.31% | 3.31% | 3.29% | 3.25% | -10 bps | |
| Efficiency Ratio | 72.62% | 72.33% | 75.27% | 72.71% | 72.06% | -56 bps | |
| Non-Interest Burden | 2.32% | 2.28% | 2.40% | 2.25% | 2.16% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.07% | 6.60% | 3.07% | 6.17% | 4.33% | -1,274 bps | |
| Loan Growth (YoY) | 17.53% | 7.33% | 3.40% | 6.93% | 3.29% | -1,424 bps | |
| Deposit Growth (YoY) | 18.87% | 7.38% | 2.27% | 8.36% | 7.73% | -1,115 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.79% | 1.05% | 0.86% | 0.75% | 0.78% | 0 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.04% | 0.31% | 0.16% | 0.11% | +19 bps | |
| Allowance / Loans | 1.15% | 1.10% | 1.08% | 1.06% | 1.08% | -6 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.1x | 1.3x | 1.4x | 1.4x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.25% | 9.01% | 9.39% | 9.20% | 9.00% | -25 bps | |
| Total Risk-Based Capital | 12.40% | 12.65% | 13.19% | 13.03% | 12.85% | +45 bps | |
| Equity / Assets | 9.75% | 9.62% | 10.05% | 9.96% | 9.79% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.38% | 86.87% | 88.95% | 90.82% | 89.53% | -385 bps | |
| Liquid Assets / Assets | 1.88% | 4.12% | 3.79% | 2.91% | 3.80% | +191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |