Duluth, MN · Cert 5130
FDIC · 3 branches
Q1 2018
Market Position · Duluth, MN-WI · 2017 SOD (annual) · 1.7% share · #12 of 30 inst. · $0.1B of $4.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.06% | 0.84% | 0.55% | 0.50% | 1.05% | 1.04% | -1.17% | -171 bps | |
| Return on Equity | 8.69% | 9.49% | 7.64% | 4.96% | 4.57% | 9.70% | 9.58% | -10.88% | -1,584 bps | |
| Net Interest Margin | 3.95% | 4.12% | 3.97% | 3.89% | 3.88% | 3.99% | 3.78% | 3.97% | +8 bps | |
| Efficiency Ratio | 76.39% | 74.49% | 79.38% | 85.24% | 84.02% | 73.84% | 73.12% | 126.39% | +4,114 bps | |
| Non-Interest Burden | 2.93% | 3.02% | 3.08% | 3.28% | 3.24% | 2.89% | 2.70% | 5.08% | +180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.59% | 1.35% | 0.88% | -2.29% | 3.19% | 2.71% | 2.85% | 3.31% | +561 bps | |
| Loan Growth (YoY) | -6.60% | -9.03% | 1.00% | -0.44% | -5.43% | -3.50% | -3.09% | 0.95% | +139 bps | |
| Deposit Growth (YoY) | 2.55% | 1.74% | 1.17% | -2.51% | 5.12% | 3.31% | 3.03% | 4.12% | +663 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.36% | 0.35% | 0.34% | 0.33% | 0.30% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.88% | 0.00% | 0.00% | 0.00% | 0.00% | -88 bps | |
| Allowance / Loans | 1.09% | 1.13% | 1.15% | 0.96% | 1.03% | 1.05% | 1.06% | 1.05% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.7x | 2.9x | 3.1x | 3.3x | 3.5x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.93% | 11.02% | 10.79% | 11.05% | 11.00% | 10.86% | 10.75% | 10.59% | -46 bps | |
| Total Risk-Based Capital | 17.31% | 17.55% | 17.50% | 17.36% | 17.93% | 17.83% | 18.01% | 17.05% | -31 bps | |
| Equity / Assets | 11.17% | 11.18% | 10.90% | 11.07% | 10.76% | 10.79% | 10.90% | 10.59% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.83% | 83.18% | 82.88% | 83.07% | 78.12% | 77.69% | 77.96% | 80.55% | -252 bps | |
| Liquid Assets / Assets | 16.82% | 17.97% | 18.07% | 17.11% | 21.27% | 21.45% | 21.15% | 19.49% | +238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |