Saint Paul, MN · Cert 10203
FDIC · 5 branches
Q2 2015
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2015 SOD (annual) · 0.2% share · #17 of 154 inst. · $0.4B of $171.1B
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.75% | 0.68% | 0.73% | 0.96% | 1.01% | 0.99% | 0.88% | +15 bps | |
| Return on Equity | 5.14% | 5.56% | 5.18% | 5.82% | 7.88% | 8.46% | 8.82% | 7.72% | +190 bps | |
| Net Interest Margin | 4.01% | 4.15% | 3.84% | 3.57% | 3.48% | 3.35% | 2.99% | 3.02% | -55 bps | |
| Efficiency Ratio | 69.35% | 66.96% | 70.87% | 69.59% | 65.67% | 64.23% | 65.19% | 65.77% | -381 bps | |
| Non-Interest Burden | 2.98% | 2.97% | 2.89% | 2.63% | 2.41% | 2.27% | 2.03% | 2.07% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.43% | -4.17% | 7.77% | 18.44% | 20.17% | 23.48% | 15.34% | 1.05% | -1,739 bps | |
| Loan Growth (YoY) | -11.25% | -1.23% | -2.77% | 1.00% | 2.36% | -2.80% | 1.34% | 2.81% | +181 bps | |
| Deposit Growth (YoY) | 4.85% | -3.31% | -0.65% | 4.05% | 1.42% | 7.70% | 10.61% | 11.37% | +732 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 | 0.03% | 0.12% | -0.05% | -0.03% | 0.01% | 0.01% | 0.08% | 0.04% | +6 bps | |
| Allowance / Loans | 0.52% | 0.70% | 0.83% | 0.92% | 0.96% | 1.20% | 1.16% | 1.23% | +30 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 | 11.25% | 10.98% | n/a | |
| Total Risk-Based Capital | 19.58% | 19.92% | 19.73% | 18.44% | 17.89% | 19.12% | 19.44% | 17.65% | -79 bps | |
| Equity / Assets | 13.16% | 13.95% | 12.49% | 11.45% | 11.10% | 11.36% | 11.20% | 11.53% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.81% | 68.77% | 64.28% | 65.46% | 63.39% | 62.07% | 58.90% | 60.43% | -503 bps | |
| Liquid Assets / Assets | 7.71% | 18.16% | 14.90% | 13.80% | 13.62% | 18.72% | 22.96% | 16.31% | +251 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |