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 (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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.50% | 0.79% | 1.03% | -0.72% | -154 bps | |
| Return on Equity | 11.17% | 6.68% | 10.61% | 13.76% | -6.93% | -1,810 bps | |
| Net Interest Margin | 2.65% | 2.77% | 2.70% | 2.84% | -1.04% | -369 bps | |
| Efficiency Ratio | 74.09% | 84.10% | 73.25% | 61.38% | 84.13% | +1,004 bps | |
| Non-Interest Burden | 1.86% | 2.25% | 1.88% | 1.59% | -0.11% | -197 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.87% | -9.45% | -4.52% | -0.95% | 0.66% | +754 bps | |
| Loan Growth (YoY) | 4.42% | 2.52% | -3.36% | -2.92% | -8.04% | -1,246 bps | |
| Deposit Growth (YoY) | -7.43% | -11.07% | -4.76% | -1.24% | -5.43% | +201 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.61% | 0.32% | 0.55% | 0.54% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.01% | 0.45% | -0.46% | -46 bps | |
| Allowance / Loans | 1.30% | 1.31% | 1.31% | 1.38% | 0.00% | -130 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.2x | 4.1x | 2.5x | 0.0x | -2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.70% | 8.14% | 8.00% | 8.06% | 8.66% | +96 bps | |
| Total Risk-Based Capital | 16.53% | 17.00% | 16.67% | 17.28% | 17.64% | +111 bps | |
| Equity / Assets | 7.34% | 7.72% | 7.14% | 7.80% | 13.10% | +575 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.06% | 57.44% | 49.87% | 51.03% | 52.56% | -149 bps | |
| Liquid Assets / Assets | 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 |