Lismore, MN · Cert 8190
FDIC · 1 branch
Q3 2023
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 1.02% | 1.51% | 2.18% | 2.79% | +186 bps | |
| Return on Equity | 8.46% | 9.26% | 12.97% | 18.41% | 22.92% | +1,446 bps | |
| Net Interest Margin | 3.70% | 3.72% | 4.36% | 4.51% | 5.02% | +131 bps | |
| Efficiency Ratio | 68.29% | 68.60% | 59.68% | 51.62% | 51.10% | -1,719 bps | |
| Non-Interest Burden | 2.40% | 2.43% | 2.48% | 1.70% | 2.09% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.12% | -0.49% | -1.00% | -1.18% | 1.63% | +475 bps | |
| Loan Growth (YoY) | 4.57% | 1.52% | 2.68% | 11.52% | 6.58% | +201 bps | |
| Deposit Growth (YoY) | -0.13% | 2.84% | -0.29% | 0.26% | 0.17% | +30 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.16% | 0.05% | 0.75% | +75 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.48% | 1.26% | 1.04% | 1.03% | 1.06% | -42 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 6.4x | 19.9x | 1.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.57% | 11.38% | 12.02% | 12.28% | 13.19% | +162 bps | |
| Total Risk-Based Capital | 14.72% | 14.00% | 14.54% | 14.80% | 15.96% | +124 bps | |
| Equity / Assets | 11.62% | 11.30% | 11.94% | 12.36% | 13.17% | +156 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.44% | 100.62% | 98.84% | 105.62% | 102.61% | +617 bps | |
| Liquid Assets / Assets | 3.72% | 3.43% | 2.94% | 2.85% | 2.82% | -90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |