Hamburg, MN · Cert 8199
FDIC · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
Hamburg, MN · Cert 8199
FDIC · 1 branch
Q2 2019
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2019 SOD (annual) · 0.0% share · #132 of 145 inst. · $0.0B 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | -0.82% | 0.43% | 0.48% | 0.49% | 0.44% | 0.58% | 0.15% | -33 bps | |
| Return on Equity | -10.36% | -12.22% | 6.87% | 7.19% | 7.34% | 6.56% | 7.60% | 1.80% | -539 bps | |
| Net Interest Margin | 2.67% | 2.46% | 2.74% | 2.94% | 2.90% | 2.79% | 2.94% | 3.08% | +13 bps | |
| Efficiency Ratio | 130.50% | 138.49% | 84.46% | 83.16% | 82.59% | 84.33% | 80.00% | 94.66% | +1,150 bps | |
| Non-Interest Burden | 3.35% | 3.21% | 2.29% | 2.41% | 2.36% | 2.32% | 2.31% | 2.88% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.06% | 9.01% | 8.92% | 4.34% | -3.87% | -1.06% | -2.88% | -5.58% | -992 bps | |
| Loan Growth (YoY) | 6.10% | 4.71% | 2.53% | 10.17% | 15.18% | 0.71% | 3.57% | -9.55% | -1,972 bps | |
| Deposit Growth (YoY) | 11.36% | 9.50% | 10.20% | 4.96% | -3.95% | -1.90% | -4.95% | -7.97% | -1,294 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.15% | 0.14% | 0.12% | 0.11% | 0.09% | 0.08% | 0.07% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.07% | 0.06% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 0.98% | 1.03% | 0.97% | 0.91% | 0.97% | 1.00% | 1.07% | +9 bps | |
| Allowance Coverage of NPLs | 5.8x | 6.6x | 7.6x | 8.3x | 8.7x | 10.5x | 11.9x | 15.3x | +7.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.27% | 6.85% | 6.91% | 8.15% | 8.15% | 7.81% | 8.24% | 8.88% | +73 bps | |
| Total Risk-Based Capital | 15.12% | 16.23% | 17.24% | 16.62% | 17.34% | 17.04% | 17.83% | 19.63% | +301 bps | |
| Equity / Assets | 6.51% | 6.30% | 6.25% | 7.33% | 6.93% | 7.03% | 8.30% | 9.34% | +200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.62% | 42.98% | 43.59% | 50.27% | 48.71% | 44.12% | 47.49% | 49.41% | -86 bps | |
| Liquid Assets / Assets | 23.73% | 27.46% | 26.88% | 21.46% | 21.65% | 26.20% | 23.98% | 22.77% | +131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |