Saint Cloud, MN · Cert 27120
FDIC
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 25.72% | 25.67% | 27.62% | 27.88% | 31.03% | 24.62% | 27.16% | 26.10% | -178 bps | |
| Return on Equity | 34.78% | 34.49% | 37.32% | 39.06% | 46.86% | 36.26% | 40.26% | 39.01% | -4 bps | |
| Net Interest Margin | 0.13% | 0.17% | 0.15% | 0.15% | 0.15% | 0.23% | 0.24% | 0.21% | +6 bps | |
| Efficiency Ratio | 79.10% | 79.12% | 77.25% | 75.89% | 74.14% | 79.64% | 77.07% | 77.87% | +198 bps | |
| Non-Interest Burden | -43.56% | -45.47% | -46.95% | -44.08% | -44.89% | -35.10% | -39.08% | -33.84% | +1,024 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.89% | 11.58% | 12.58% | 35.75% | 33.00% | 26.36% | 28.81% | -3.78% | -3,953 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 78.41% | 83.50% | 83.45% | 78.77% | 75.46% | 75.31% | 77.58% | 66.69% | -1,209 bps | |
| Total Risk-Based Capital | 142.84% | 147.84% | 148.90% | 100.23% | 112.79% | 105.50% | 107.54% | 108.50% | +827 bps | |
| Equity / Assets | 73.69% | 75.34% | 72.91% | 63.45% | 69.09% | 71.42% | 66.31% | 64.53% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 40.69% | 40.41% | 36.47% | 29.65% | 30.00% | 24.29% | 21.52% | 23.47% | -619 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |