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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.18% | 1.11% | 0.90% | 0.30% | -104 bps | |
| Return on Equity | 12.49% | 11.18% | 10.79% | 9.70% | 3.29% | -920 bps | |
| Net Interest Margin | 2.78% | 2.58% | 2.27% | 1.90% | 1.86% | -92 bps | |
| Efficiency Ratio | 51.23% | 55.37% | 58.00% | 61.04% | 85.56% | +3,433 bps | |
| Non-Interest Burden | 1.33% | 1.36% | 1.21% | 0.97% | 1.55% | +22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.60% | 16.41% | 16.69% | 16.02% | 11.88% | +428 bps | |
| Loan Growth (YoY) | 0.90% | -6.97% | -2.34% | -5.28% | -20.45% | -2,135 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.06% | 0.05% | 0.00% | 0.00% | -9 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.12% | 10.72% | 9.82% | 9.32% | 9.05% | -207 bps | |
| Total Risk-Based Capital | 11.12% | 10.72% | 9.82% | 9.32% | 9.05% | -207 bps | |
| Equity / Assets | 10.75% | 10.06% | 9.14% | 9.35% | 9.15% | -161 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.29% | 38.58% | 33.04% | 33.25% | 30.94% | -1,335 bps | |
| Liquid Assets / Assets | 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 |