Minnetonka, MN · Cert 57631
FDIC · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 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.
Minnetonka, MN · Cert 57631
FDIC · 1 branch
Q4 2017
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.2% share · #30 of 153 inst. · $0.3B of $189.3B
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 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.52% | 1.55% | 1.60% | 1.37% | 1.48% | 1.59% | 1.67% | +7 bps | |
| Return on Equity | 17.35% | 17.50% | 17.36% | 17.76% | 14.58% | 15.62% | 16.60% | 17.48% | -28 bps | |
| Net Interest Margin | 3.94% | 4.06% | 4.06% | 4.10% | 3.94% | 4.05% | 4.11% | 4.14% | +4 bps | |
| Efficiency Ratio | 63.51% | 62.70% | 61.89% | 60.10% | 63.02% | 61.78% | 60.76% | 59.30% | -80 bps | |
| Non-Interest Burden | 2.30% | 2.36% | 2.32% | 2.25% | 2.34% | 2.35% | 2.32% | 2.28% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.62% | 15.86% | 12.70% | 2.00% | 9.83% | 7.44% | 5.37% | 8.60% | +660 bps | |
| Loan Growth (YoY) | 20.41% | 19.76% | 22.12% | 12.81% | 8.70% | 5.66% | 5.16% | 10.07% | -274 bps | |
| Deposit Growth (YoY) | 8.68% | 17.58% | 10.39% | 0.45% | 9.45% | 4.76% | 3.55% | 8.68% | +823 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.19% | 0.70% | 0.47% | +47 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.01% | 0.09% | 0.43% | 0.22% | 0.20% | 0.20% | +11 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.14% | 1.20% | 1.14% | 1.16% | 1.14% | 1.11% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 20.2x | 6.2x | 1.6x | 2.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.12% | 8.51% | 8.84% | 9.03% | 9.11% | 9.15% | 9.38% | 9.42% | +39 bps | |
| Total Risk-Based Capital | 10.84% | 10.85% | 11.32% | 11.76% | 11.87% | 11.80% | 12.03% | 11.82% | +5 bps | |
| Equity / Assets | 8.77% | 9.16% | 9.52% | 9.47% | 9.32% | 9.59% | 9.92% | 9.60% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.89% | 93.12% | 95.69% | 90.94% | 87.29% | 93.92% | 97.18% | 92.11% | +117 bps | |
| Liquid Assets / Assets | 3.35% | 4.41% | 4.21% | 3.89% | 3.80% | 5.10% | 3.94% | 4.33% | +44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |