Watkins, MN · Cert 8864
FDIC · 1 branch
Q1 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.73% | 1.58% | 1.63% | 1.58% | -1.15% | -289 bps | |
| Return on Equity | 14.51% | 12.75% | 12.76% | 12.35% | -9.12% | -2,363 bps | |
| Net Interest Margin | 3.67% | 3.65% | 3.70% | 3.47% | 3.38% | -29 bps | |
| Efficiency Ratio | 57.17% | 61.85% | 61.29% | 62.13% | 115.11% | +5,794 bps | |
| Non-Interest Burden | 1.82% | 2.02% | 2.02% | 1.91% | 3.98% | +215 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.91% | 3.04% | 4.17% | 7.70% | 2.70% | +361 bps | |
| Loan Growth (YoY) | 7.68% | 1.82% | 0.42% | 3.75% | 4.08% | -360 bps | |
| Deposit Growth (YoY) | -2.15% | 1.13% | 1.66% | 6.25% | 2.54% | +468 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 1.21% | 0.63% | 0.87% | 1.01% | +40 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.02% | 0.02% | 0.05% | 0.00% | -6 bps | |
| Allowance / Loans | 1.23% | 1.18% | 1.16% | 1.15% | 1.54% | +31 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.0x | 1.9x | 1.3x | 1.5x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.92% | 12.94% | 13.41% | 12.69% | 11.46% | -146 bps | |
| Total Risk-Based Capital | 24.38% | 23.60% | 24.41% | 24.21% | 22.76% | -161 bps | |
| Equity / Assets | 12.09% | 13.32% | 13.81% | 12.98% | 12.26% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.09% | 57.38% | 57.83% | 52.98% | 53.88% | +80 bps | |
| Liquid Assets / Assets | 3.69% | 3.76% | 3.08% | 6.94% | 9.43% | +574 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |