Northfield, MN · Cert 5218
FDIC · 2 branches
Q1 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.41% | 1.13% | 1.25% | 1.51% | -2.14% | 0.37% | -0.06% | -131 bps | |
| Return on Equity | 11.43% | 15.49% | 12.39% | 13.41% | 16.25% | -18.17% | 2.63% | -0.43% | -1,384 bps | |
| Net Interest Margin | 3.56% | 3.64% | 3.66% | 3.62% | 3.54% | -5.89% | 2.98% | 3.05% | -57 bps | |
| Efficiency Ratio | 72.69% | 63.76% | 69.47% | 66.43% | 59.57% | 57.95% | 71.02% | 90.68% | +2,425 bps | |
| Non-Interest Burden | 2.47% | 2.09% | 2.39% | 2.23% | 1.90% | -3.29% | 2.27% | 2.92% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.92% | 9.13% | 8.15% | 4.33% | 12.42% | 21.31% | 19.09% | 16.63% | +1,230 bps | |
| Loan Growth (YoY) | 8.98% | 9.23% | 5.56% | 6.56% | 7.57% | 5.19% | 1.14% | 1.84% | -472 bps | |
| Deposit Growth (YoY) | 9.00% | 10.19% | 8.95% | 4.31% | 12.91% | 15.09% | 12.52% | 12.19% | +788 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | -0.01% | 0.09% | 0.00% | -0.08% | 0.01% | -0.02% | -11 bps | |
| Allowance / Loans | 1.26% | 1.28% | 1.30% | 1.32% | 1.30% | 0.02% | 0.05% | 0.08% | -124 bps | |
| Allowance Coverage of NPLs | 148.2x | 219.6x | 513.5x | 519.8x | 1077.0x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.34% | 9.46% | 9.36% | 9.57% | 9.26% | 10.84% | 9.99% | 10.31% | +73 bps | |
| Total Risk-Based Capital | 13.55% | 13.84% | 13.74% | 14.00% | 13.89% | 14.64% | 14.16% | 14.42% | +42 bps | |
| Equity / Assets | 9.09% | 9.08% | 9.14% | 9.49% | 9.14% | 14.13% | 14.26% | 14.78% | +530 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.24% | 86.01% | 86.11% | 86.81% | 84.07% | 78.61% | 77.41% | 78.80% | -801 bps | |
| Liquid Assets / Assets | 7.47% | 8.27% | 8.35% | 9.34% | 12.15% | 14.43% | 16.78% | 15.25% | +591 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |