Hudson, WI · Cert 58593
FDIC · 1 branch
Q2 2020
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2020 SOD (annual) · 0.1% share · #86 of 144 inst. · $0.1B of $218.0B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.75% | 0.73% | 0.78% | 0.66% | 0.37% | 1.11% | 1.09% | +31 bps | |
| Return on Equity | 3.96% | 5.33% | 5.37% | 5.70% | 4.80% | 2.72% | 7.96% | 7.80% | +210 bps | |
| Net Interest Margin | 3.35% | 3.34% | 3.36% | 3.34% | 3.34% | 1.08% | 3.78% | 3.58% | +23 bps | |
| Efficiency Ratio | 82.50% | 78.37% | 79.38% | 78.01% | 80.98% | 45.88% | 48.03% | 47.06% | -3,095 bps | |
| Non-Interest Burden | 2.72% | 2.55% | 2.63% | 2.56% | 2.68% | 0.43% | 1.68% | 1.63% | -94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -33.88% | 3.93% | 9.10% | 3.55% | 3.27% | 4.58% | -2.97% | 4.46% | +91 bps | |
| Loan Growth (YoY) | -24.87% | 7.30% | 12.15% | 4.53% | 1.47% | -11.66% | -19.42% | -12.23% | -1,675 bps | |
| Deposit Growth (YoY) | -42.21% | 4.13% | 7.38% | 11.63% | 11.47% | 7.81% | 2.62% | 0.91% | -1,071 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.32% | 0.29% | 0.63% | 0.28% | 0.28% | 0.49% | 0.24% | -39 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.07% | 0.00% | 0.00% | 0.01% | 0.00% | -0.05% | -0.02% | -2 bps | |
| Allowance / Loans | 1.20% | 1.23% | 1.17% | 1.17% | 1.20% | 0.07% | 0.20% | 0.28% | -90 bps | |
| Allowance Coverage of NPLs | 2.0x | 3.9x | 4.0x | 1.9x | 4.3x | 0.3x | 0.4x | 1.1x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.91% | 14.17% | 13.70% | 13.93% | 14.17% | 8.28% | 8.68% | 8.45% | -548 bps | |
| Total Risk-Based Capital | 16.72% | 17.00% | 16.33% | 16.57% | 17.29% | 10.13% | 10.79% | 12.13% | -445 bps | |
| Equity / Assets | 13.43% | 13.87% | 13.38% | 13.86% | 13.99% | 13.76% | 14.23% | 14.13% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.92% | 104.75% | 107.96% | 102.61% | 100.97% | 85.84% | 84.78% | 89.25% | -1,336 bps | |
| Liquid Assets / Assets | 1.96% | 2.97% | 3.55% | 2.57% | 4.27% | 10.20% | 6.32% | 3.39% | +82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |