Altura, MN · Cert 10173
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.71% | 1.72% | 1.72% | 0.07% | 0.70% | -101 bps | |
| Return on Equity | 11.10% | 11.13% | 11.11% | 0.47% | 4.42% | -669 bps | |
| Net Interest Margin | 3.14% | 3.20% | 3.24% | 3.09% | 3.27% | +13 bps | |
| Efficiency Ratio | 51.13% | 51.57% | 51.69% | 97.77% | 83.84% | +3,271 bps | |
| Non-Interest Burden | 1.45% | 1.50% | 1.52% | 3.02% | 2.57% | +112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.56% | -2.29% | 1.20% | -1.02% | 0.01% | -55 bps | |
| Loan Growth (YoY) | 1.99% | 1.81% | 2.21% | 3.69% | 0.08% | -191 bps | |
| Deposit Growth (YoY) | 0.61% | -2.87% | 1.04% | -1.26% | -0.04% | -66 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.27% | +27 bps | |
| Allowance / Loans | 0.81% | 0.81% | 0.81% | 0.79% | 0.68% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.93% | 15.25% | 15.75% | 15.96% | 15.90% | +97 bps | |
| Total Risk-Based Capital | 22.93% | 22.60% | 22.95% | 23.19% | 23.40% | +47 bps | |
| Equity / Assets | 15.03% | 15.55% | 15.73% | 16.04% | 15.99% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.32% | 74.97% | 73.73% | 76.62% | 73.41% | +9 bps | |
| Liquid Assets / Assets | 13.64% | 12.75% | 11.53% | 15.84% | 15.12% | +149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |