Sacred Heart, MN · Cert 1901
FDIC · 1 branch
Q2 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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.60% | 0.47% | 0.77% | 0.93% | +41 bps | |
| Return on Equity | 4.82% | 5.46% | 4.29% | 7.00% | 8.41% | +359 bps | |
| Net Interest Margin | 3.03% | 3.21% | 3.15% | 3.04% | 3.14% | +11 bps | |
| Efficiency Ratio | 82.71% | 79.39% | 83.47% | 75.81% | 71.53% | -1,118 bps | |
| Non-Interest Burden | 2.47% | 2.51% | 2.60% | 2.25% | 2.20% | -27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.46% | -3.94% | 0.23% | 4.73% | 9.57% | +1,704 bps | |
| Loan Growth (YoY) | 13.04% | 19.14% | 6.21% | 13.12% | 0.55% | -1,249 bps | |
| Deposit Growth (YoY) | -8.20% | -4.33% | -0.02% | 4.27% | 9.48% | +1,768 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.32% | 1.31% | 1.40% | 1.43% | 1.44% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.14% | 11.57% | 11.36% | 10.90% | 11.09% | -6 bps | |
| Total Risk-Based Capital | 20.02% | 19.97% | 19.68% | 19.98% | 20.93% | +92 bps | |
| Equity / Assets | 11.09% | 11.58% | 10.83% | 11.10% | 11.26% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.83% | 71.52% | 61.41% | 59.83% | 58.63% | -521 bps | |
| Liquid Assets / Assets | 20.94% | 14.81% | 17.93% | 28.01% | 31.28% | +1,034 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |