Ham Lake, MN · Cert 35524
FDIC · 2 branches
Q1 2018
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.1% share · #81 of 153 inst. · $0.1B of $189.3B
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 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.26% | 1.14% | 1.37% | 1.40% | 1.32% | 1.23% | 0.72% | -64 bps | |
| Return on Equity | 7.78% | 9.99% | 9.22% | 11.95% | 12.13% | 11.41% | 10.67% | 6.44% | -551 bps | |
| Net Interest Margin | 4.06% | 3.86% | 3.70% | 3.74% | 3.83% | 3.66% | 3.65% | 3.77% | +3 bps | |
| Efficiency Ratio | 63.26% | 59.25% | 61.58% | 58.01% | 57.77% | 59.88% | 62.37% | 67.32% | +930 bps | |
| Non-Interest Burden | 2.59% | 2.17% | 2.19% | 2.17% | 2.21% | 2.21% | 2.30% | 2.57% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.84% | 6.79% | 11.88% | 5.60% | 11.48% | 9.54% | 4.58% | 9.55% | +395 bps | |
| Loan Growth (YoY) | 4.96% | 4.25% | 8.59% | 5.72% | 11.26% | 5.66% | 0.97% | 0.79% | -494 bps | |
| Deposit Growth (YoY) | 7.82% | 9.57% | 13.01% | 9.06% | 13.24% | 10.46% | 4.36% | 10.29% | +123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | 0.26% | 0.22% | 0.22% | +18 bps | |
| Net Charge-Offs / Loans | -0.26% | -0.19% | -0.17% | -0.06% | -0.07% | -0.10% | 0.07% | -0.71% | -65 bps | |
| Allowance / Loans | 1.05% | 1.16% | 1.25% | 1.32% | 1.39% | 1.47% | 1.34% | 1.55% | +24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 30.6x | 33.2x | 5.7x | 6.0x | 7.0x | -23.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 11.49% | 10.92% | 10.73% | 11.17% | 11.02% | 10.83% | 11.13% | +40 bps | |
| Total Risk-Based Capital | 16.12% | 16.15% | 15.28% | 15.28% | 15.58% | 15.76% | 15.40% | 15.50% | +22 bps | |
| Equity / Assets | 13.10% | 12.07% | 11.20% | 11.65% | 11.85% | 11.43% | 11.35% | 11.05% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.93% | 84.39% | 85.93% | 88.69% | 87.38% | 80.73% | 83.14% | 81.05% | -764 bps | |
| Liquid Assets / Assets | 6.63% | 5.47% | 5.97% | 4.72% | 7.07% | 9.62% | 6.09% | 9.37% | +465 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |