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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.64% | 2.99% | 1.97% | 1.47% | -1.03% | -267 bps | |
| Return on Equity | 18.74% | 30.19% | 17.92% | 12.51% | -8.04% | -2,678 bps | |
| Net Interest Margin | 5.04% | 5.85% | 5.64% | 4.51% | 4.25% | -79 bps | |
| Efficiency Ratio | 48.70% | 42.51% | 49.87% | 56.90% | 127.99% | +7,928 bps | |
| Non-Interest Burden | 2.04% | 1.78% | 2.04% | 2.45% | 5.51% | +347 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.60% | 1.23% | -2.44% | -16.61% | -22.96% | -3,056 bps | |
| Loan Growth (YoY) | 14.95% | 6.50% | 2.97% | -19.30% | -18.77% | -3,372 bps | |
| Deposit Growth (YoY) | 6.77% | 9.23% | 3.68% | -7.47% | -11.24% | -1,801 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.41% | -0.17% | -0.11% | -0.04% | -0.01% | +40 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.13% | 1.23% | 1.34% | +26 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.59% | 10.29% | 11.05% | 12.03% | 12.21% | +262 bps | |
| Total Risk-Based Capital | 9.59% | 10.29% | 11.05% | 12.03% | 12.21% | +262 bps | |
| Equity / Assets | 9.25% | 10.57% | 11.42% | 12.05% | 13.58% | +432 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 124.22% | 117.16% | 119.27% | 110.80% | 113.69% | -1,053 bps | |
| Liquid Assets / Assets | 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 |