Browns Valley, MN · Cert 9764
FDIC · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Browns Valley, MN · Cert 9764
FDIC · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.27% | 1.22% | 1.35% | 1.18% | 1.11% | 0.90% | 0.30% | -104 bps | |
| Return on Equity | 12.40% | 11.35% | 11.25% | 12.49% | 11.18% | 10.79% | 9.70% | 3.29% | -920 bps | |
| Net Interest Margin | 3.01% | 2.91% | 2.72% | 2.78% | 2.58% | 2.27% | 1.90% | 1.86% | -92 bps | |
| Efficiency Ratio | 54.67% | 57.40% | 55.42% | 51.23% | 55.37% | 58.00% | 61.04% | 85.56% | +3,433 bps | |
| Non-Interest Burden | 1.59% | 1.61% | 1.39% | 1.33% | 1.36% | 1.21% | 0.97% | 1.55% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | 5.20% | 3.21% | 7.60% | 16.41% | 16.69% | 16.02% | 11.88% | +428 bps | |
| Loan Growth (YoY) | -0.14% | 4.49% | -2.42% | 0.90% | -6.97% | -2.34% | -5.28% | -20.45% | -2,135 bps | |
| Deposit Growth (YoY) | -0.70% | 5.78% | 3.28% | 8.23% | 18.57% | 18.78% | 18.27% | 13.87% | +563 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.19% | 0.09% | 0.06% | 0.05% | 0.00% | 0.00% | -9 bps | |
| Allowance / Loans | 1.19% | 1.30% | 1.35% | 1.23% | 1.30% | 1.33% | 1.43% | 1.54% | +31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.51% | 11.51% | 10.90% | 11.12% | 10.72% | 9.82% | 9.32% | 9.05% | -207 bps | |
| Total Risk-Based Capital | 18.62% | 18.87% | 10.90% | 11.12% | 10.72% | 9.82% | 9.32% | 9.05% | -207 bps | |
| Equity / Assets | 11.71% | 10.66% | 10.97% | 10.75% | 10.06% | 9.14% | 9.35% | 9.15% | -161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.18% | 40.19% | 41.52% | 44.29% | 38.58% | 33.04% | 33.25% | 30.94% | -1,335 bps | |
| Liquid Assets / Assets | 37.03% | 48.00% | 51.85% | 49.20% | 53.89% | 63.00% | 57.90% | 60.98% | +1,178 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |