Battle Lake, MN · Cert 5090
FDIC · 1 branch
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.71% | 1.61% | 1.69% | 1.70% | 1.90% | 1.70% | 1.48% | -20 bps | |
| Return on Equity | 10.59% | 12.28% | 12.11% | 13.60% | 14.00% | 15.15% | 13.53% | 11.86% | -175 bps | |
| Net Interest Margin | 3.01% | 3.05% | 3.16% | 3.26% | 3.25% | 3.42% | 3.54% | 3.48% | +22 bps | |
| Efficiency Ratio | 56.17% | 53.50% | 58.45% | 56.42% | 55.51% | 51.50% | 55.10% | 61.27% | +485 bps | |
| Non-Interest Burden | 1.39% | 1.31% | 1.57% | 1.50% | 1.52% | 1.39% | 1.70% | 1.85% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 4.55% | 1.85% | 2.70% | 5.97% | 0.94% | 3.13% | 1.53% | -117 bps | |
| Loan Growth (YoY) | -0.42% | 4.68% | 4.94% | 12.16% | 23.92% | 17.72% | 16.11% | 11.52% | -64 bps | |
| Deposit Growth (YoY) | 4.95% | 3.31% | 4.07% | 3.38% | 8.01% | 2.14% | 3.53% | 3.65% | +26 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.57% | 0.23% | 0.23% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.32% | -0.02% | 1.49% | -0.02% | 0.00% | -0.02% | 0.29% | -120 bps | |
| Allowance / Loans | 1.57% | 1.38% | 1.39% | 0.98% | 1.00% | 1.01% | 1.07% | 1.04% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.7x | 4.3x | 4.7x | 6.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.95% | 12.44% | 11.38% | 11.75% | 12.42% | 12.21% | 11.84% | 12.24% | +49 bps | |
| Total Risk-Based Capital | 24.39% | 22.81% | 20.68% | 20.26% | 20.64% | 19.60% | 19.38% | 19.80% | -46 bps | |
| Equity / Assets | 14.05% | 13.78% | 12.84% | 11.94% | 12.38% | 12.72% | 12.46% | 12.57% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.86% | 54.00% | 55.70% | 59.69% | 59.49% | 62.24% | 62.47% | 64.22% | +454 bps | |
| Liquid Assets / Assets | 0.14% | 0.13% | 0.13% | 0.13% | 0.12% | 0.12% | 0.12% | 0.17% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |