Marietta, MN · Cert 18525
FDIC · 1 branch
Q1 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.45% | 1.46% | 1.56% | 1.61% | 1.16% | -29 bps | |
| Return on Equity | 12.92% | 13.17% | 14.14% | 14.76% | 10.71% | -221 bps | |
| Net Interest Margin | 3.80% | 3.81% | 3.77% | 3.81% | 4.08% | +28 bps | |
| Efficiency Ratio | 60.81% | 60.07% | 58.08% | 57.53% | 68.10% | +729 bps | |
| Non-Interest Burden | 2.15% | 2.10% | 1.99% | 1.96% | 2.58% | +43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.85% | 1.48% | -1.79% | 11.14% | 0.58% | +143 bps | |
| Loan Growth (YoY) | 41.49% | 29.88% | 31.59% | 29.50% | 19.54% | -2,194 bps | |
| Deposit Growth (YoY) | -2.55% | -1.55% | -17.97% | -4.27% | -3.88% | -133 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.02% | 0.88% | 0.35% | 2.25% | 1.17% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.32% | 0.22% | 0.00% | 0 bps | |
| Allowance / Loans | 1.79% | 1.66% | 1.44% | 1.38% | 1.52% | -26 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 4.2x | 0.6x | 1.3x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.19% | 9.21% | 9.58% | 9.52% | 10.14% | +95 bps | |
| Total Risk-Based Capital | 12.23% | 11.67% | 11.76% | 10.97% | 12.15% | -8 bps | |
| Equity / Assets | 10.93% | 10.75% | 11.03% | 10.24% | 11.46% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.12% | 81.41% | 92.34% | 94.44% | 87.21% | +1,709 bps | |
| Liquid Assets / Assets | 17.44% | 15.34% | 13.57% | 11.44% | 11.12% | -631 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |