Shorewood, MN · Cert 10581
FDIC · 6 branches
Q4 2015
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2015 SOD (annual) · 0.2% share · #29 of 154 inst. · $0.3B of $171.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.85% | 1.25% | 1.01% | 1.06% | 1.11% | 1.72% | 1.39% | +38 bps | |
| Return on Equity | 10.94% | 8.45% | 12.30% | 9.94% | 10.72% | 11.83% | 18.16% | 14.38% | +444 bps | |
| Net Interest Margin | 3.61% | 3.66% | 3.72% | 3.63% | 3.53% | 3.58% | 3.49% | 3.66% | +3 bps | |
| Efficiency Ratio | 68.88% | 76.96% | 68.71% | 75.88% | 71.19% | 71.71% | 65.83% | 66.34% | -955 bps | |
| Non-Interest Burden | 2.37% | 2.71% | 2.47% | 2.62% | 2.43% | 2.43% | 2.16% | 2.27% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.11% | 4.60% | -2.16% | -3.47% | 7.27% | 9.98% | 8.43% | 5.29% | +877 bps | |
| Loan Growth (YoY) | 4.02% | 1.34% | 2.97% | 5.34% | 10.49% | 13.41% | 9.44% | 4.82% | -52 bps | |
| Deposit Growth (YoY) | 5.16% | 4.43% | -2.22% | -7.70% | 7.03% | 11.11% | 6.97% | 9.12% | +1,682 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 | 1.36% | -0.49% | 0.06% | 0.71% | 0.00% | 0.16% | -0.44% | 0.10% | -61 bps | |
| Allowance / Loans | 1.63% | 1.81% | 1.71% | 1.52% | 1.48% | 1.41% | 1.34% | 1.37% | -15 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 | 9.77% | 9.69% | 9.51% | 9.73% | n/a | |
| Total Risk-Based Capital | 15.94% | 15.82% | 15.48% | 15.61% | 14.40% | 13.99% | 14.08% | 14.98% | -63 bps | |
| Equity / Assets | 9.86% | 10.26% | 10.10% | 10.28% | 9.44% | 9.37% | 9.55% | 9.84% | -45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.62% | 69.35% | 70.63% | 73.28% | 69.80% | 70.78% | 72.26% | 70.39% | -289 bps | |
| Liquid Assets / Assets | 12.86% | 12.64% | 11.61% | 11.16% | 13.98% | 13.29% | 13.19% | 15.49% | +433 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |