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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 1.69% | 1.91% | 1.98% | 1.73% | 1.70% | -1.27% | 1.36% | -62 bps | |
| Return on Equity | 13.78% | 12.87% | 14.22% | 14.67% | 12.85% | 12.51% | -9.86% | 11.13% | -355 bps | |
| Net Interest Margin | 2.95% | 2.89% | 3.06% | 3.05% | 2.97% | 2.84% | -1.96% | 3.14% | +9 bps | |
| Efficiency Ratio | 49.22% | 50.72% | 47.00% | 40.34% | 73.17% | 46.92% | 60.15% | 50.95% | +1,061 bps | |
| Non-Interest Burden | 1.16% | 1.21% | 1.17% | 1.09% | 2.23% | 1.15% | -0.67% | 1.43% | +34 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 | -0.71% | -0.01% | -0.02% | -0.06% | -0.01% | -0.13% | 0.11% | -0.08% | -2 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 |