Eden Prairie, MN · Cert 57695
FDIC · 1 branch
Q2 2023
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2023 SOD (annual) · 0.0% share · #107 of 137 inst. · $0.1B of $237.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.40% | 0.62% | 1.11% | 1.51% | 0.97% | 0.82% | 0.63% | -49 bps | |
| Return on Equity | 8.42% | 12.38% | 5.84% | 12.14% | 17.51% | 10.93% | 9.21% | 7.01% | -513 bps | |
| Net Interest Margin | 3.72% | 3.90% | 3.57% | 3.47% | 4.07% | 3.60% | 3.46% | 3.35% | -12 bps | |
| Efficiency Ratio | 67.91% | 58.10% | 74.59% | 59.86% | 53.20% | 63.64% | 67.72% | 65.67% | +582 bps | |
| Non-Interest Burden | 2.36% | 2.00% | 2.66% | 1.89% | 1.92% | 2.29% | 2.34% | 2.20% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.24% | 5.35% | 14.39% | 25.79% | 19.61% | 23.86% | 13.18% | 5.15% | -2,065 bps | |
| Loan Growth (YoY) | 0.70% | 7.09% | 17.47% | 31.90% | 24.31% | 25.88% | 15.76% | 6.66% | -2,523 bps | |
| Deposit Growth (YoY) | 4.05% | 4.25% | 6.22% | 9.78% | -0.76% | -6.50% | -4.29% | -4.54% | -1,432 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | -0.02% | 0.05% | +6 bps | |
| Allowance / Loans | 1.28% | 1.21% | 1.14% | 1.05% | 1.07% | 1.02% | 1.02% | 0.98% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.94% | 11.16% | 10.37% | 9.53% | 10.09% | 9.82% | 10.08% | 10.00% | +46 bps | |
| Total Risk-Based Capital | 14.36% | 14.28% | 13.35% | 13.22% | 13.95% | 13.76% | 13.82% | 13.10% | -12 bps | |
| Equity / Assets | 11.23% | 11.38% | 10.04% | 8.39% | 8.87% | 8.80% | 9.02% | 8.92% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.28% | 103.99% | 114.52% | 124.85% | 129.37% | 139.99% | 138.51% | 139.51% | +1,466 bps | |
| Liquid Assets / Assets | 0.18% | 0.08% | 0.02% | 0.01% | 0.26% | 0.08% | 0.01% | 0.33% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |