Sacred Heart, MN · Cert 1901
FDIC · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.28% | 0.27% | 0.77% | 0.76% | 0.10% | 0.77% | 1.09% | +32 bps | |
| Return on Equity | 3.68% | 2.52% | 2.56% | 7.11% | 6.73% | 0.88% | 7.00% | 9.75% | +265 bps | |
| Net Interest Margin | 2.73% | 2.80% | 2.83% | 3.20% | 3.44% | 3.19% | 3.04% | 3.26% | +5 bps | |
| Efficiency Ratio | 84.82% | 89.89% | 89.42% | 76.67% | 73.42% | 95.67% | 75.81% | 67.41% | -926 bps | |
| Non-Interest Burden | 2.29% | 2.50% | 2.51% | 2.42% | 2.47% | 3.05% | 2.25% | 2.16% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.48% | -7.49% | -7.20% | -7.46% | -3.94% | 0.23% | 4.73% | 9.57% | +1,704 bps | |
| Loan Growth (YoY) | 4.41% | 17.37% | 5.57% | 13.04% | 19.14% | 6.21% | 13.12% | 0.55% | -1,249 bps | |
| Deposit Growth (YoY) | -2.66% | -8.75% | -7.97% | -8.20% | -4.33% | -0.02% | 4.27% | 9.48% | +1,768 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.36% | 0.38% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.34% | -0.36% | 0.29% | 0.00% | 0.00% | 0.00% | 0.00% | -29 bps | |
| Allowance / Loans | 1.51% | 1.35% | 1.56% | 1.32% | 1.31% | 1.40% | 1.43% | 1.44% | +12 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.7x | 4.1x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.19% | 10.89% | 10.86% | 11.14% | 11.57% | 11.36% | 10.90% | 11.09% | -6 bps | |
| Total Risk-Based Capital | 19.94% | 18.44% | 22.28% | 20.02% | 19.97% | 19.68% | 19.98% | 20.93% | +92 bps | |
| Equity / Assets | 11.28% | 10.61% | 10.69% | 11.09% | 11.58% | 10.83% | 11.10% | 11.26% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.43% | 57.81% | 55.15% | 63.83% | 71.52% | 61.41% | 59.83% | 58.63% | -521 bps | |
| Liquid Assets / Assets | 21.98% | 22.84% | 26.25% | 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 | n/a | n/a | n/a |