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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.95% | 0.96% | 1.11% | 1.06% | +21 bps | |
| Return on Equity | 8.57% | 9.62% | 9.56% | 11.27% | 10.86% | +229 bps | |
| Net Interest Margin | 3.48% | 3.57% | 3.60% | 3.73% | 3.68% | +20 bps | |
| Efficiency Ratio | 71.27% | 69.07% | 68.95% | 64.56% | 67.09% | -418 bps | |
| Non-Interest Burden | 2.12% | 2.04% | 2.06% | 1.98% | 2.06% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.37% | -1.27% | -3.71% | -1.37% | -2.53% | -1,190 bps | |
| Loan Growth (YoY) | 8.29% | -0.67% | -0.29% | 1.74% | 0.04% | -825 bps | |
| Deposit Growth (YoY) | 9.41% | -0.69% | -3.33% | -1.16% | -2.44% | -1,186 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.07% | 0.83% | +83 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.05% | 0.06% | -0.18% | -0.06% | +1 bps | |
| Allowance / Loans | 1.06% | 1.05% | 0.95% | 0.99% | 0.99% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.9x | 1.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.48% | 9.94% | 10.28% | 9.33% | 9.61% | +14 bps | |
| Total Risk-Based Capital | 14.43% | 14.67% | 14.63% | 13.46% | 13.78% | -64 bps | |
| Equity / Assets | 9.54% | 10.13% | 10.30% | 9.32% | 9.61% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.87% | 84.28% | 84.69% | 83.78% | 82.92% | +206 bps | |
| Liquid Assets / Assets | 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 |