Erskine, MN · Cert 10204
FDIC · 1 branch
Q2 2014
Market Position · Grand Forks, ND-MN · 2014 SOD (annual) · 0.8% share · #15 of 21 inst. · $0.0B of $2.5B
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.87% | 0.62% | 0.63% | 0.65% | 0.63% | 0.74% | 0.80% | +18 bps | |
| Return on Equity | 6.31% | 6.06% | 4.28% | 4.44% | 4.63% | 4.51% | 5.43% | 5.83% | +139 bps | |
| Net Interest Margin | 3.22% | 3.22% | 3.09% | 3.18% | 3.25% | 3.25% | 3.06% | 3.06% | -12 bps | |
| Efficiency Ratio | 76.08% | 76.57% | 81.53% | 81.26% | 80.60% | 81.07% | 79.19% | 77.75% | -351 bps | |
| Non-Interest Burden | 2.29% | 2.32% | 2.43% | 2.50% | 2.52% | 2.54% | 2.31% | 2.25% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.17% | -2.88% | 1.15% | 1.34% | -1.53% | -2.03% | 1.35% | -1.29% | -263 bps | |
| Loan Growth (YoY) | -6.77% | 1.72% | -3.79% | -0.81% | 1.39% | -0.93% | -0.33% | -2.59% | -177 bps | |
| Deposit Growth (YoY) | 2.79% | -4.03% | 0.87% | 2.44% | -0.61% | -1.00% | 2.43% | -2.07% | -451 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 | -0.04% | -0.01% | 0.95% | 0.83% | 0.99% | 0.72% | 0.00% | 0.08% | -75 bps | |
| Allowance / Loans | 1.97% | 1.87% | 1.87% | 1.62% | 1.31% | 1.32% | 1.47% | 1.39% | -23 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 | 28.53% | 24.92% | 30.10% | 28.96% | 29.20% | 28.29% | 30.07% | 30.28% | +132 bps | |
| Equity / Assets | 14.76% | 14.54% | 14.45% | 13.49% | 13.94% | 13.65% | 13.54% | 14.24% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.31% | 53.88% | 48.08% | 49.97% | 53.36% | 53.92% | 46.78% | 49.71% | -26 bps | |
| Liquid Assets / Assets | 9.75% | 13.40% | 14.28% | 13.44% | 14.07% | 13.86% | 13.29% | 12.60% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |