West Saint Paul, MN · Cert 8868
FDIC · 18 branches
Q3 2017
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2017 SOD (annual) · 0.9% share · #6 of 153 inst. · $1.7B 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.79% | 0.97% | 0.96% | 0.94% | 0.91% | 0.97% | 0.99% | +3 bps | |
| Return on Equity | 8.61% | 8.08% | 9.86% | 9.81% | 9.55% | 9.15% | 9.80% | 10.00% | +19 bps | |
| Net Interest Margin | 3.18% | 3.39% | 3.36% | 3.32% | 3.32% | 3.36% | 3.39% | 3.39% | +7 bps | |
| Efficiency Ratio | 67.88% | 65.59% | 60.50% | 60.20% | 60.88% | 71.57% | 64.97% | 63.07% | +288 bps | |
| Non-Interest Burden | 1.92% | 2.00% | 1.66% | 1.66% | 1.70% | 2.21% | 1.92% | 1.85% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.98% | 24.35% | 4.03% | 3.18% | 3.12% | 4.23% | 3.70% | 3.60% | +42 bps | |
| Loan Growth (YoY) | 32.91% | 29.30% | 2.88% | 6.57% | 7.20% | 6.77% | 7.54% | 7.88% | +132 bps | |
| Deposit Growth (YoY) | 32.62% | 23.49% | -4.25% | -1.49% | 3.29% | 4.64% | 6.86% | 7.23% | +872 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.45% | 0.41% | 0.79% | +79 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.07% | 0.03% | 0.03% | 0.02% | 0.61% | 0.29% | 0.19% | +16 bps | |
| Allowance / Loans | 1.16% | 1.20% | 1.21% | 1.22% | 1.32% | 1.22% | 1.20% | 1.19% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 2.7x | 2.9x | 1.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.41% | 9.49% | 9.38% | 9.32% | 9.46% | 9.54% | 9.50% | +12 bps | |
| Total Risk-Based Capital | 12.90% | 12.94% | 12.69% | 12.43% | 12.57% | 12.65% | 12.20% | 11.85% | -58 bps | |
| Equity / Assets | 9.65% | 9.97% | 9.87% | 9.83% | 9.79% | 10.02% | 9.95% | 9.93% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.49% | 83.92% | 90.82% | 89.47% | 85.61% | 85.63% | 91.40% | 90.02% | +55 bps | |
| Liquid Assets / Assets | 5.52% | 3.74% | 4.53% | 4.46% | 5.68% | 5.29% | 4.55% | 4.33% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |