Wells, MN · Cert 9772
FDIC · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Wells, MN · Cert 9772
FDIC · 1 branch
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.61% | 0.36% | 0.69% | 0.80% | 1.03% | 0.80% | 0.91% | +22 bps | |
| Return on Equity | 7.84% | 7.18% | 4.22% | 7.81% | 8.76% | 10.91% | 7.59% | 8.45% | +64 bps | |
| Net Interest Margin | 4.59% | 4.43% | 4.31% | 4.24% | 4.68% | 4.61% | 4.47% | 4.53% | +29 bps | |
| Efficiency Ratio | 77.43% | 80.93% | 87.47% | 77.12% | 76.09% | 76.94% | 73.94% | 69.07% | -805 bps | |
| Non-Interest Burden | 3.46% | 3.51% | 3.74% | 3.10% | 3.41% | 3.42% | 3.20% | 3.03% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.22% | 2.66% | 5.15% | -4.68% | -9.22% | -11.70% | -14.46% | -9.04% | -436 bps | |
| Loan Growth (YoY) | 5.08% | -0.61% | -1.15% | -4.08% | -6.74% | -5.72% | -5.30% | -8.59% | -451 bps | |
| Deposit Growth (YoY) | -8.13% | 4.58% | 5.83% | -4.18% | -3.99% | -13.63% | -16.41% | -12.54% | -836 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 | 0.41% | 0.42% | 0.12% | -0.02% | 0.15% | 0.33% | -0.16% | 0.25% | +27 bps | |
| Allowance / Loans | 1.49% | 1.34% | 1.36% | 1.42% | 1.35% | 1.09% | 1.17% | 1.11% | -32 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 | n/a | n/a | 8.55% | 8.89% | 10.06% | 10.46% | 10.40% | 11.09% | +220 bps | |
| Total Risk-Based Capital | 13.79% | 13.46% | 14.64% | 15.94% | 16.48% | 15.98% | 14.89% | 15.59% | -35 bps | |
| Equity / Assets | 8.76% | 8.53% | 8.51% | 9.61% | 10.31% | 10.53% | 10.55% | 11.27% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.47% | 81.79% | 77.74% | 85.66% | 88.85% | 89.28% | 88.08% | 89.52% | +387 bps | |
| Liquid Assets / Assets | 10.31% | 9.09% | 7.50% | 9.11% | 9.61% | 7.67% | 10.42% | 10.79% | +168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |