Alexandria, MN · Cert 12915
FDIC · 8 branches
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.73% | 0.71% | 0.72% | 0.73% | 0.89% | 0.97% | 1.08% | +36 bps | |
| Return on Equity | 12.43% | 9.32% | 8.99% | 9.15% | 9.24% | 11.59% | 12.16% | 13.23% | +408 bps | |
| Net Interest Margin | 3.45% | 3.15% | 3.15% | 3.16% | 3.14% | 3.23% | 3.34% | 3.47% | +31 bps | |
| Efficiency Ratio | 66.55% | 72.39% | 73.06% | 73.30% | 73.38% | 72.35% | 69.50% | 66.44% | -686 bps | |
| Non-Interest Burden | 1.91% | 1.94% | 1.99% | 2.01% | 2.01% | 2.09% | 2.03% | 1.93% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.02% | 8.19% | 0.74% | 4.34% | -0.49% | 5.31% | 1.10% | -3.46% | -780 bps | |
| Loan Growth (YoY) | 8.21% | 2.21% | 3.58% | 3.18% | -1.90% | 2.83% | 4.91% | 2.39% | -79 bps | |
| Deposit Growth (YoY) | 5.71% | 5.99% | 1.40% | 4.78% | -1.83% | -1.96% | -2.63% | -5.73% | -1,051 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 | 0.11% | 0.03% | 0.31% | 0.23% | 0.21% | 0.04% | 0.05% | 0.04% | -20 bps | |
| Allowance / Loans | 1.59% | 1.77% | 1.63% | 1.68% | 1.64% | 1.68% | 1.58% | 1.61% | -6 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 | 12.55% | 13.02% | 12.55% | 12.42% | 12.13% | 12.35% | 12.03% | 12.43% | +1 bps | |
| Equity / Assets | 7.84% | 7.85% | 8.05% | 7.76% | 7.82% | 7.60% | 8.48% | 8.90% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.91% | 76.74% | 83.19% | 81.60% | 80.84% | 80.49% | 89.63% | 88.63% | +703 bps | |
| Liquid Assets / Assets | 17.45% | 20.72% | 14.40% | 13.54% | 9.75% | 8.09% | 3.04% | 2.96% | -1,058 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |