Minneapolis, MN · Cert 28330
FDIC · 521 branches
Q1 2021
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2020 SOD (annual) · 3.8% share · #3 of 144 inst. · $8.2B of $218.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 0.79% | 1.03% | 0.48% | 0.22% | 0.41% | 0.91% | 1.04% | +56 bps | |
| Return on Equity | 14.75% | 6.95% | 8.66% | 4.13% | 2.00% | 3.67% | 7.94% | 9.25% | +512 bps | |
| Net Interest Margin | 4.15% | 3.79% | 3.55% | 3.43% | 3.07% | 3.07% | 3.24% | 3.15% | -28 bps | |
| Efficiency Ratio | 64.48% | 78.90% | 71.18% | 68.16% | 80.51% | 71.16% | 69.71% | 66.32% | -184 bps | |
| Non-Interest Burden | 2.04% | 2.83% | 2.18% | 2.00% | 2.31% | 2.08% | 1.86% | 1.77% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 99.32% | 96.67% | 98.77% | 103.10% | 4.04% | 2.45% | 1.77% | -9,700 bps | |
| Loan Growth (YoY) | 1.86% | 88.54% | 81.06% | 86.18% | 87.28% | -0.41% | -0.03% | 0.33% | -8,585 bps | |
| Deposit Growth (YoY) | 4.28% | 90.53% | 82.09% | 88.37% | 104.20% | 11.02% | 12.67% | 10.92% | -7,745 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.64% | 0.58% | 0.71% | 0.83% | 1.11% | 1.97% | 1.89% | +118 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.60% | 0.26% | 0.06% | 0.04% | 0.28% | 0.14% | 0.50% | +44 bps | |
| 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 | 9.59% | 10.68% | 9.10% | 8.93% | 8.34% | 8.43% | 8.97% | 8.73% | -20 bps | |
| Total Risk-Based Capital | 12.76% | 12.20% | 12.29% | 11.86% | 12.93% | 13.48% | 13.51% | 12.96% | +111 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.77% | 98.48% | 100.10% | 100.47% | 91.50% | 88.34% | 88.82% | 90.88% | -959 bps | |
| Liquid Assets / Assets | 0.59% | 0.32% | 0.30% | 0.28% | 0.26% | 0.36% | 0.39% | 0.42% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |