Watkins, MN · Cert 8864
FDIC · 1 branch
Q1 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.24% | 1.29% | 1.73% | 1.42% | 1.73% | 1.48% | -1.15% | -289 bps | |
| Return on Equity | 9.90% | 10.54% | 10.94% | 14.51% | 11.18% | 12.76% | 11.07% | -9.12% | -2,363 bps | |
| Net Interest Margin | 3.55% | 3.69% | 3.72% | 3.67% | 3.67% | 3.73% | 3.49% | 3.38% | -29 bps | |
| Efficiency Ratio | 70.44% | 68.79% | 61.56% | 57.17% | 66.52% | 60.21% | 64.54% | 115.11% | +5,794 bps | |
| Non-Interest Burden | 2.32% | 2.38% | 2.02% | 1.82% | 2.24% | 1.98% | 1.99% | 3.98% | +215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.78% | -4.79% | -6.10% | -0.91% | 3.04% | 4.17% | 7.70% | 2.70% | +361 bps | |
| Loan Growth (YoY) | 1.83% | 3.62% | 1.41% | 7.68% | 1.82% | 0.42% | 3.75% | 4.08% | -360 bps | |
| Deposit Growth (YoY) | -3.43% | -4.57% | -6.72% | -2.15% | 1.13% | 1.66% | 6.25% | 2.54% | +468 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.47% | 2.04% | 1.54% | 0.61% | 1.21% | 0.63% | 0.87% | 1.01% | +40 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.90% | 0.12% | 0.06% | -0.02% | 0.02% | 0.15% | 0.00% | -6 bps | |
| Allowance / Loans | 1.29% | 1.07% | 1.19% | 1.23% | 1.18% | 1.16% | 1.15% | 1.54% | +31 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.8x | 2.0x | 1.0x | 1.9x | 1.3x | 1.5x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.97% | 13.09% | 13.29% | 12.92% | 12.94% | 13.41% | 12.69% | 11.46% | -146 bps | |
| Total Risk-Based Capital | 22.71% | 23.04% | 24.25% | 24.38% | 23.60% | 24.41% | 24.21% | 22.76% | -161 bps | |
| Equity / Assets | 11.74% | 11.73% | 11.81% | 12.09% | 13.32% | 13.81% | 12.98% | 12.26% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.99% | 58.54% | 54.26% | 53.09% | 57.38% | 57.83% | 52.98% | 53.88% | +80 bps | |
| Liquid Assets / Assets | 1.92% | 1.91% | 3.04% | 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 | n/a | n/a | n/a |