Glenville, MN · Cert 1918
FDIC · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Glenville, MN · Cert 1918
FDIC · 1 branch
Q4 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 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.45% | 0.58% | 0.68% | 0.98% | 1.15% | 1.20% | 1.35% | +67 bps | |
| Return on Equity | 1.93% | 3.94% | 5.08% | 5.98% | 8.79% | 10.17% | 10.50% | 11.86% | +587 bps | |
| Net Interest Margin | 2.03% | 2.36% | 2.44% | 2.49% | 2.79% | 2.86% | 2.90% | 2.91% | +42 bps | |
| Efficiency Ratio | 90.00% | 81.80% | 77.88% | 75.25% | 66.67% | 62.38% | 61.61% | 56.97% | -1,828 bps | |
| Non-Interest Burden | 1.81% | 1.90% | 1.85% | 1.81% | 1.80% | 1.72% | 1.71% | 1.57% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.47% | -2.11% | 0.34% | -3.03% | 0.06% | 3.90% | 2.75% | 0.00% | +303 bps | |
| Loan Growth (YoY) | -0.89% | -4.13% | 4.62% | 3.62% | 0.33% | -0.38% | -7.80% | -1.20% | -482 bps | |
| Deposit Growth (YoY) | -1.56% | 2.59% | 1.80% | -2.85% | 0.47% | 4.09% | 1.87% | 0.47% | +332 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 1.19% | 1.08% | +108 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.09% | 0.09% | 0.05% | 0.00% | 0.00% | -0.01% | -0.01% | -7 bps | |
| Allowance / Loans | 2.09% | 2.02% | 1.88% | 1.90% | 2.03% | 2.01% | 2.06% | 1.07% | -83 bps | |
| Allowance Coverage of NPLs | n/a | 56.8x | n/a | n/a | n/a | n/a | 1.7x | 1.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.34% | 11.57% | 11.04% | 11.01% | 11.38% | 11.51% | 11.77% | 10.98% | -4 bps | |
| Total Risk-Based Capital | 29.79% | 28.93% | 26.35% | 26.77% | 29.70% | 30.31% | 31.85% | 28.44% | +167 bps | |
| Equity / Assets | 11.64% | 11.62% | 11.05% | 11.05% | 11.33% | 11.54% | 11.90% | 11.05% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.39% | 40.10% | 41.99% | 40.73% | 38.34% | 38.38% | 38.01% | 40.05% | -68 bps | |
| Liquid Assets / Assets | 58.58% | 59.60% | 56.84% | 55.43% | 56.41% | 54.29% | 56.23% | 53.96% | -148 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |