Bloomington, MN · Cert 57249
FDIC · 4 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Bloomington, MN · Cert 57249
FDIC · 4 branches
Q2 2018
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2018 SOD (annual) · 0.4% share · #17 of 149 inst. · $0.6B of $184.8B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.21% | 2.19% | 2.17% | 2.33% | 2.47% | 2.47% | 2.15% | 2.43% | +11 bps | |
| Return on Equity | 22.63% | 22.83% | 23.71% | 25.37% | 26.91% | 26.88% | 23.00% | 25.54% | +17 bps | |
| Net Interest Margin | 4.20% | 4.08% | 4.15% | 4.18% | 4.10% | 4.03% | 4.29% | 4.30% | +12 bps | |
| Efficiency Ratio | 53.46% | 53.61% | 55.06% | 52.47% | 51.99% | 52.57% | 54.33% | 50.78% | -169 bps | |
| Non-Interest Burden | 1.87% | 1.81% | 1.95% | 1.86% | 1.79% | 1.78% | 2.07% | 1.87% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.42% | 18.52% | 17.62% | 20.74% | 20.33% | 9.88% | 8.13% | 3.33% | -1,742 bps | |
| Loan Growth (YoY) | 14.08% | 20.61% | 17.94% | 21.74% | 15.74% | 7.32% | 9.80% | 2.94% | -1,880 bps | |
| Deposit Growth (YoY) | 10.92% | 12.70% | 18.51% | 18.70% | 21.17% | 16.17% | 5.20% | 4.22% | -1,448 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.09% | 0.12% | 0.07% | 0.06% | 0.06% | 0.17% | +5 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | 0.03% | 0.02% | 0.04% | -0.02% | -0.02% | -5 bps | |
| Allowance / Loans | 1.50% | 1.43% | 1.42% | 1.32% | 1.25% | 1.18% | 1.16% | 1.18% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 15.7x | 10.9x | 18.8x | 21.2x | 18.4x | 6.9x | -4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.58% | 9.42% | 9.46% | 9.37% | 9.02% | 9.56% | 9.70% | +24 bps | |
| Total Risk-Based Capital | 11.37% | 10.88% | 11.07% | 10.93% | 11.19% | 11.10% | 10.94% | 11.60% | +67 bps | |
| Equity / Assets | 9.72% | 9.06% | 9.23% | 9.22% | 9.20% | 9.19% | 9.53% | 9.85% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.35% | 103.15% | 96.81% | 101.03% | 93.95% | 95.29% | 101.04% | 99.78% | -124 bps | |
| Liquid Assets / Assets | 0.75% | 0.65% | 1.54% | 0.54% | 4.70% | 3.21% | 9.05% | 9.40% | +886 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |