Fertile, MN · Cert 10186
FDIC · 1 branch
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Fertile, MN · Cert 10186
FDIC · 1 branch
Q3 2015
Market Position · Grand Forks, ND-MN · 2015 SOD (annual) · 1.2% share · #13 of 21 inst. · $0.0B of $2.6B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | -0.06% | 0.32% | 0.37% | 0.07% | -42 bps | |
| Return on Equity | 3.70% | -0.46% | 2.39% | 2.75% | 0.50% | -320 bps | |
| Net Interest Margin | 3.36% | 3.14% | 3.14% | 3.07% | 3.10% | -27 bps | |
| Efficiency Ratio | 85.80% | 86.91% | 87.58% | 87.38% | 95.42% | +962 bps | |
| Non-Interest Burden | 2.85% | 2.70% | 2.73% | 2.66% | 2.94% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.90% | 6.07% | 0.65% | 2.59% | 4.33% | +523 bps | |
| Loan Growth (YoY) | 5.46% | 1.91% | -0.65% | -3.47% | -3.46% | -892 bps | |
| Deposit Growth (YoY) | -2.80% | 5.59% | -0.80% | 4.04% | 5.41% | +820 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.98% | -0.06% | -0.01% | 0.10% | +9 bps | |
| Allowance / Loans | 0.56% | 0.86% | 0.95% | 0.90% | 0.93% | +37 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 13.78% | 13.75% | 13.68% | n/a | |
| Total Risk-Based Capital | 27.89% | 26.23% | 31.56% | 30.84% | 30.53% | +264 bps | |
| Equity / Assets | 14.04% | 12.63% | 13.94% | 13.78% | 13.95% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.64% | 42.68% | 42.17% | 44.38% | 44.55% | -409 bps | |
| Liquid Assets / Assets | 23.30% | 21.00% | 33.30% | 31.85% | 31.60% | +830 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |