Brainerd, MN · Cert 12917
FDIC · 3 branches
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 1.13% | 1.14% | 1.29% | 0.98% | 0.93% | 1.44% | 1.66% | +38 bps | |
| Return on Equity | 5.15% | 11.66% | 11.58% | 13.44% | 10.13% | 9.67% | 14.98% | 16.64% | +320 bps | |
| Net Interest Margin | 3.78% | 3.82% | 3.77% | 3.82% | 3.73% | 3.59% | 3.81% | 3.84% | +2 bps | |
| Efficiency Ratio | 64.70% | 65.79% | 61.09% | 58.87% | 64.61% | 65.56% | 58.84% | 52.99% | -588 bps | |
| Non-Interest Burden | 2.12% | 2.17% | 1.91% | 1.80% | 2.16% | 2.10% | 1.91% | 1.52% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.16% | 2.49% | 4.03% | 2.62% | -3.24% | 10.47% | 7.87% | 2.30% | -32 bps | |
| Loan Growth (YoY) | 7.09% | 9.95% | 12.16% | 9.54% | 3.92% | 5.74% | 4.09% | 2.07% | -746 bps | |
| Deposit Growth (YoY) | 3.06% | 4.05% | 2.74% | -0.46% | -6.58% | -1.29% | -6.84% | -11.32% | -1,087 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 | 0.94% | 0.04% | 0.45% | 0.32% | 0.10% | 0.00% | -0.20% | 0.04% | -28 bps | |
| Allowance / Loans | 1.88% | 1.83% | 1.75% | 1.76% | 1.82% | 1.83% | 1.81% | 1.81% | +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 | 13.30% | 13.26% | 12.97% | 12.82% | 12.97% | 12.68% | 12.76% | 13.28% | +46 bps | |
| Equity / Assets | 9.29% | 10.08% | 9.65% | 9.52% | 9.79% | 9.46% | 9.71% | 10.31% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.65% | 93.10% | 99.72% | 97.65% | 98.62% | 99.73% | 111.42% | 112.40% | +1,475 bps | |
| Liquid Assets / Assets | 9.91% | 6.34% | 6.25% | 6.08% | 6.24% | 5.82% | 5.70% | 5.57% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |