Minnetonka, MN · Cert 5151
FDIC · 10 branches
Q2 2019
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2019 SOD (annual) · 0.1% share · #48 of 145 inst. · $0.2B of $189.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.78% | 1.19% | 0.55% | 1.15% | 1.79% | 1.17% | 1.17% | +62 bps | |
| Return on Equity | 5.97% | 5.41% | 8.22% | 3.78% | 7.80% | 11.71% | 7.42% | 7.26% | +348 bps | |
| Net Interest Margin | 2.83% | 3.02% | 3.38% | 3.47% | 3.45% | 3.45% | 3.14% | 3.19% | -27 bps | |
| Efficiency Ratio | 64.43% | 62.90% | 59.66% | 81.28% | 62.90% | 50.86% | 70.44% | 61.81% | -1,947 bps | |
| Non-Interest Burden | 1.55% | 1.71% | 1.78% | 2.86% | 1.89% | 0.80% | 2.06% | 1.76% | -110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.69% | -3.59% | -6.50% | -8.28% | -6.67% | -7.05% | -6.25% | -3.08% | +520 bps | |
| Loan Growth (YoY) | 0.75% | 0.55% | 1.51% | 2.19% | -1.18% | -0.13% | -3.10% | -3.39% | -559 bps | |
| Deposit Growth (YoY) | 2.66% | 0.86% | -8.15% | -8.39% | -4.43% | -5.82% | -5.39% | -3.55% | +484 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.12% | 0.41% | 0.54% | 0.27% | 0.26% | 0.26% | 0.15% | -39 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.10% | -0.06% | 0.00% | 0.00% | 0.27% | -0.03% | -0.04% | -4 bps | |
| Allowance / Loans | 1.93% | 1.97% | 1.93% | 1.92% | 1.94% | 1.92% | 1.43% | 1.32% | -59 bps | |
| Allowance Coverage of NPLs | 12.9x | 16.8x | 4.7x | 3.5x | 7.3x | 7.3x | 5.5x | 8.6x | +5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.63% | 13.80% | 14.06% | 14.32% | 14.97% | 15.19% | 15.79% | 15.70% | +138 bps | |
| Total Risk-Based Capital | 25.23% | 26.40% | 24.89% | 24.61% | 25.27% | 27.74% | 28.30% | 29.35% | +474 bps | |
| Equity / Assets | 14.31% | 14.57% | 14.29% | 14.64% | 14.89% | 15.73% | 15.93% | 16.19% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.81% | 41.15% | 43.37% | 44.05% | 43.23% | 43.64% | 44.42% | 44.12% | +7 bps | |
| Liquid Assets / Assets | 12.60% | 16.70% | 12.34% | 11.19% | 11.62% | 17.88% | 26.51% | 28.90% | +1,771 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |