Wells, MN · Cert 9772
FDIC · 1 branch
Q2 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.46% | 0.36% | 1.03% | 1.06% | 1.79% | 0.80% | 1.02% | 0 bps | |
| Return on Equity | 5.66% | 5.28% | 4.22% | 11.36% | 10.60% | 17.18% | 7.59% | 9.38% | -198 bps | |
| Net Interest Margin | 4.50% | 4.32% | 4.31% | 4.11% | 4.50% | 4.44% | 4.47% | 4.43% | +32 bps | |
| Efficiency Ratio | 82.89% | 92.14% | 87.47% | 68.17% | 73.62% | 79.83% | 73.94% | 63.80% | -437 bps | |
| Non-Interest Burden | 3.68% | 3.97% | 3.74% | 2.40% | 3.26% | 3.49% | 3.20% | 2.75% | +34 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 | 1.36% | 0.50% | 0.12% | -0.15% | 0.49% | 0.87% | -0.16% | 0.67% | +83 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 |