Wells, MN · Cert 29141
FDIC · 9 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Wells, MN · Cert 29141
FDIC · 9 branches
Q2 2017
Market Position · Mankato-North Mankato, MN · 2017 SOD (annual) · 2.4% share · #11 of 22 inst. · $0.1B of $2.5B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.37% | 1.93% | 0.87% | 0.84% | 0.95% | 0.96% | 1.11% | 1.06% | +21 bps | |
| Return on Equity | 23.29% | 18.86% | 8.76% | 8.57% | 9.62% | 9.56% | 11.27% | 10.86% | +229 bps | |
| Net Interest Margin | 3.14% | 3.32% | 3.47% | 3.48% | 3.57% | 3.60% | 3.73% | 3.68% | +20 bps | |
| Efficiency Ratio | 53.72% | 58.32% | 70.11% | 71.27% | 69.07% | 68.95% | 64.56% | 67.09% | -418 bps | |
| Non-Interest Burden | 0.53% | 0.99% | 2.04% | 2.12% | 2.04% | 2.06% | 1.98% | 2.06% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.91% | 9.21% | 7.34% | 9.37% | -1.27% | -3.71% | -1.37% | -2.53% | -1,190 bps | |
| Loan Growth (YoY) | 10.95% | 8.07% | 7.61% | 8.29% | -0.67% | -0.29% | 1.74% | 0.04% | -825 bps | |
| Deposit Growth (YoY) | 6.08% | 8.59% | 7.74% | 9.41% | -0.69% | -3.33% | -1.16% | -2.44% | -1,186 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.07% | 0.83% | +83 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.12% | -0.13% | -0.07% | -0.05% | 0.06% | -0.18% | -0.06% | +1 bps | |
| Allowance / Loans | 1.06% | 0.99% | 1.05% | 1.06% | 1.05% | 0.95% | 0.99% | 0.99% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.9x | 1.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.95% | 10.48% | 9.32% | 9.48% | 9.94% | 10.28% | 9.33% | 9.61% | +14 bps | |
| Total Risk-Based Capital | 15.42% | 15.56% | 14.06% | 14.43% | 14.67% | 14.63% | 13.46% | 13.78% | -64 bps | |
| Equity / Assets | 10.62% | 10.53% | 9.43% | 9.54% | 10.13% | 10.30% | 9.32% | 9.61% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.27% | 82.11% | 81.38% | 80.87% | 84.28% | 84.69% | 83.78% | 82.92% | +206 bps | |
| Liquid Assets / Assets | 5.43% | 5.51% | 3.98% | 4.76% | 4.11% | 3.69% | 3.40% | 3.09% | -167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |