Wadena, MN · Cert 5268
FDIC · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wadena, MN · Cert 5268
FDIC · 1 branch
Q1 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.53% | 0.44% | 0.48% | 0.59% | +40 bps | |
| Return on Equity | 1.95% | 5.53% | 4.57% | 4.99% | 6.37% | +442 bps | |
| Net Interest Margin | 2.99% | 2.97% | 3.03% | 3.00% | 2.94% | -5 bps | |
| Efficiency Ratio | 94.37% | 88.48% | 87.91% | 85.74% | 79.13% | -1,524 bps | |
| Non-Interest Burden | 2.81% | 2.60% | 2.63% | 2.52% | 2.24% | -57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.13% | 2.74% | 0.92% | 1.72% | 1.43% | +356 bps | |
| Loan Growth (YoY) | 5.45% | 4.53% | 4.70% | 3.23% | 2.74% | -271 bps | |
| Deposit Growth (YoY) | -2.18% | 3.15% | 1.40% | 1.95% | 1.84% | +402 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.52% | +52 bps | |
| Net Charge-Offs / Loans | -0.60% | -0.34% | -0.23% | -0.16% | -0.03% | +57 bps | |
| Allowance / Loans | 1.64% | 1.51% | 1.46% | 1.45% | 1.48% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.8x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.29% | 9.31% | 9.35% | 9.05% | 9.37% | +8 bps | |
| Total Risk-Based Capital | 17.78% | 18.52% | 18.01% | 17.50% | 18.12% | +34 bps | |
| Equity / Assets | 9.80% | 9.78% | 9.89% | 9.04% | 9.50% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.80% | 53.09% | 56.37% | 54.22% | 55.29% | +49 bps | |
| Liquid Assets / Assets | 4.92% | 5.17% | 5.27% | 4.29% | 5.29% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |