Saint Peter, MN · Cert 9757
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.
Saint Peter, MN · Cert 9757
FDIC · 1 branch
Q2 2019
Market Position · Mankato, MN · 2019 SOD (annual) · 5.8% share · #6 of 22 inst. · $0.1B of $2.4B
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 | 0.78% | 0.67% | 0.75% | 0.78% | 0.69% | 0.71% | 1.03% | 0.16% | -61 bps | |
| Return on Equity | 10.90% | 9.42% | 10.75% | 10.92% | 9.51% | 9.75% | 13.76% | 1.76% | -917 bps | |
| Net Interest Margin | 2.47% | 2.54% | 2.62% | 2.62% | 2.75% | 2.68% | 2.84% | 0.91% | -171 bps | |
| Efficiency Ratio | 69.81% | 73.84% | 72.24% | 73.17% | 76.85% | 75.96% | 61.38% | 84.13% | +1,096 bps | |
| Non-Interest Burden | 1.60% | 1.76% | 1.77% | 1.81% | 2.01% | 1.94% | 1.59% | 0.71% | -110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | 0.18% | -5.43% | -6.87% | -9.45% | -4.52% | -0.95% | 0.66% | +754 bps | |
| Loan Growth (YoY) | -0.40% | 3.76% | 4.24% | 4.42% | 2.52% | -3.36% | -2.92% | -8.04% | -1,246 bps | |
| Deposit Growth (YoY) | 0.49% | -0.45% | -6.31% | -7.43% | -11.07% | -4.76% | -1.24% | -5.43% | +201 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 0.40% | 0.45% | 0.50% | 0.61% | 0.32% | 0.55% | 0.54% | +3 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.07% | 0.03% | 0.01% | 0.00% | 0.01% | 0.45% | 0.00% | -1 bps | |
| Allowance / Loans | 1.37% | 1.24% | 1.33% | 1.30% | 1.31% | 1.31% | 1.38% | 0.00% | -130 bps | |
| Allowance Coverage of NPLs | 1.4x | 3.1x | 2.9x | 2.6x | 2.2x | 4.1x | 2.5x | 0.0x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.52% | 7.64% | 7.71% | 7.70% | 8.14% | 8.00% | 8.06% | 8.66% | +96 bps | |
| Total Risk-Based Capital | 17.36% | 15.86% | 16.71% | 16.53% | 17.00% | 16.67% | 17.28% | 17.64% | +111 bps | |
| Equity / Assets | 7.53% | 6.79% | 7.23% | 7.34% | 7.72% | 7.14% | 7.80% | 13.10% | +575 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.82% | 49.15% | 51.92% | 54.06% | 57.44% | 49.87% | 51.03% | 52.56% | -149 bps | |
| Liquid Assets / Assets | 26.37% | 23.18% | 25.61% | 23.83% | 22.31% | 19.28% | 17.96% | 17.07% | -676 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |