Prior Lake, MN · Cert 10166
FDIC · 3 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Prior Lake, MN · Cert 10166
FDIC · 3 branches
Q3 2014
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2014 SOD (annual) · 0.1% share · #44 of 159 inst. · $0.2B of $212.7B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.69% | 1.80% | 1.85% | 1.82% | 1.70% | 0.21% | 0.59% | -125 bps | |
| Return on Equity | 12.54% | 12.87% | 13.54% | 13.87% | 13.61% | 12.51% | 1.57% | 4.61% | -927 bps | |
| Net Interest Margin | 3.01% | 2.89% | 3.02% | 3.00% | 2.94% | 2.84% | 0.45% | 1.36% | -164 bps | |
| Efficiency Ratio | 48.55% | 50.72% | 48.84% | 46.12% | 51.97% | 46.92% | 60.15% | 53.13% | +701 bps | |
| Non-Interest Burden | 1.22% | 1.21% | 1.21% | 1.16% | 1.40% | 1.15% | 0.24% | 0.65% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.24% | 3.68% | 1.31% | 2.14% | 0.20% | 5.00% | 8.27% | 3.69% | +155 bps | |
| Loan Growth (YoY) | -0.70% | -1.22% | 2.91% | 9.86% | 9.13% | 5.46% | 0.95% | -0.77% | -1,063 bps | |
| Deposit Growth (YoY) | 7.58% | 3.65% | 1.09% | 1.84% | -0.30% | 4.61% | 10.31% | 5.19% | +336 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 | -0.18% | -0.01% | -0.02% | -0.03% | -0.03% | -0.13% | -0.01% | -0.03% | 0 bps | |
| Allowance / Loans | 2.13% | 2.12% | 2.06% | 2.03% | 1.54% | 1.61% | 0.01% | 0.02% | -200 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.17% | 22.26% | 22.36% | 22.21% | 21.24% | 23.11% | 15.56% | 15.53% | -668 bps | |
| Equity / Assets | 12.97% | 13.30% | 13.59% | 13.46% | 13.43% | 13.68% | 12.12% | 12.37% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.82% | 60.59% | 64.15% | 62.95% | 63.29% | 61.09% | 58.71% | 59.39% | -357 bps | |
| Liquid Assets / Assets | 1.26% | 1.30% | 1.33% | 0.54% | 1.13% | 1.12% | 0.94% | 0.76% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |