Champlin, MN · Cert 57581
FDIC · 1 branch
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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.
Champlin, MN · Cert 57581
FDIC · 1 branch
Q2 2022
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2022 SOD (annual) · 0.0% share · #115 of 138 inst. · $0.1B of $232.4B
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.19% | 1.05% | 1.37% | 1.91% | 1.92% | 1.47% | 0.28% | -110 bps | |
| Return on Equity | 0.45% | 2.19% | 12.37% | 15.71% | 20.81% | 20.05% | 12.51% | 2.24% | -1,347 bps | |
| Net Interest Margin | 3.74% | 3.89% | 4.52% | 4.70% | 4.97% | 5.42% | 4.51% | 4.46% | -24 bps | |
| Efficiency Ratio | 72.30% | 69.19% | 61.16% | 54.48% | 49.42% | 49.55% | 56.90% | 90.89% | +3,641 bps | |
| Non-Interest Burden | 2.21% | 2.20% | 2.25% | 2.14% | 2.08% | 2.19% | 2.45% | 4.03% | +189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 70.63% | 44.97% | 58.90% | 7.60% | 1.23% | -2.44% | -16.61% | -22.96% | -3,056 bps | |
| Loan Growth (YoY) | 72.44% | 45.32% | 68.65% | 14.95% | 6.50% | 2.97% | -19.30% | -18.77% | -3,372 bps | |
| Deposit Growth (YoY) | 51.47% | 25.93% | 32.83% | 6.77% | 9.23% | 3.68% | -7.47% | -11.24% | -1,801 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.74% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.26% | 0.90% | 0.54% | 0.08% | 0.00% | -0.02% | -0.04% | -0.03% | -11 bps | |
| Allowance / Loans | 0.81% | 1.15% | 0.87% | 1.08% | 1.07% | 1.13% | 1.23% | 1.34% | +26 bps | |
| Allowance Coverage of NPLs | n/a | 1.6x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.80% | 9.43% | 9.31% | 9.59% | 10.29% | 11.05% | 12.03% | 12.21% | +262 bps | |
| Total Risk-Based Capital | 8.80% | 9.43% | 9.31% | 9.59% | 10.29% | 11.05% | 12.03% | 12.21% | +262 bps | |
| Equity / Assets | 8.04% | 8.65% | 8.31% | 9.25% | 10.57% | 11.42% | 12.05% | 13.58% | +432 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.16% | 120.10% | 127.03% | 124.22% | 117.16% | 119.27% | 110.80% | 113.69% | -1,053 bps | |
| Liquid Assets / Assets | 15.22% | 11.93% | 11.46% | 12.61% | 11.33% | 10.13% | 13.69% | 8.29% | -433 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |