Mindenmines, MO · Cert 19954
FDIC · 2 branches
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.98% | 0.86% | 0.98% | 2.08% | +133 bps | |
| Return on Equity | 5.23% | 6.68% | 6.24% | 9.70% | 25.37% | +2,014 bps | |
| Net Interest Margin | 3.54% | 3.77% | 3.57% | 3.49% | 3.83% | +29 bps | |
| Efficiency Ratio | 72.86% | 67.02% | 70.61% | 75.68% | 49.12% | -2,374 bps | |
| Non-Interest Burden | 2.53% | 2.47% | 2.43% | 2.66% | 1.82% | -71 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.25% | -0.01% | 10.48% | 21.71% | 8.62% | +836 bps | |
| Loan Growth (YoY) | -0.11% | 8.64% | 6.33% | 51.59% | 35.80% | +3,591 bps | |
| Deposit Growth (YoY) | 0.39% | 0.00% | 12.18% | 31.27% | 14.68% | +1,429 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.12% | 2.00% | 1.99% | 1.47% | 1.56% | -56 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 37.9x | 37.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.50% | 14.60% | 13.43% | 7.74% | 8.16% | -634 bps | |
| Total Risk-Based Capital | 25.84% | 24.73% | 22.78% | 11.52% | 12.93% | -1,291 bps | |
| Equity / Assets | 14.33% | 14.97% | 12.90% | 7.57% | 8.92% | -541 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.92% | 79.24% | 68.65% | 79.91% | 85.17% | +1,324 bps | |
| Liquid Assets / Assets | 22.79% | 21.67% | 19.16% | 13.22% | 13.89% | -890 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |