Richmond, MN · Cert 8542
FDIC · 1 branch
Q1 2018
Market Position · St. Cloud, MN · 2017 SOD (annual) · 1.6% share · #18 of 32 inst. · $0.1B of $5.1B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.12% | 1.13% | 1.29% | 0.85% | -10 bps | |
| Return on Equity | 9.01% | 10.49% | 10.34% | 11.79% | 7.57% | -144 bps | |
| Net Interest Margin | 3.32% | 3.40% | 3.45% | 3.40% | 3.28% | -4 bps | |
| Efficiency Ratio | 60.49% | 58.75% | 61.22% | 63.63% | 62.61% | +212 bps | |
| Non-Interest Burden | 1.91% | 1.90% | 2.03% | 2.09% | 2.01% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.99% | 5.41% | 1.17% | -0.99% | -0.77% | -876 bps | |
| Loan Growth (YoY) | 32.80% | 25.32% | 12.25% | -10.18% | -11.22% | -4,402 bps | |
| Deposit Growth (YoY) | 9.09% | 6.12% | 1.22% | -1.56% | -1.45% | -1,053 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.21% | -0.17% | -0.14% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.28% | 1.36% | 1.48% | 1.53% | +45 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.36% | 10.83% | 11.28% | 11.30% | 11.40% | +104 bps | |
| Total Risk-Based Capital | 14.84% | 15.73% | 16.18% | 17.32% | 17.71% | +287 bps | |
| Equity / Assets | 10.54% | 11.11% | 11.51% | 11.16% | 11.26% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.28% | 84.43% | 83.74% | 75.73% | 75.02% | -826 bps | |
| Liquid Assets / Assets | 5.82% | 5.47% | 5.70% | 10.82% | 13.15% | +734 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |