Brainerd, MN · Cert 12917
FDIC · 3 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 | 0.93% | 1.13% | 1.12% | 1.18% | 1.13% | 0.93% | 1.19% | 1.36% | +18 bps | |
| Return on Equity | 9.10% | 11.66% | 11.63% | 12.22% | 11.68% | 9.67% | 12.35% | 13.82% | +160 bps | |
| Net Interest Margin | 3.71% | 3.82% | 3.77% | 3.78% | 3.74% | 3.59% | 3.56% | 3.73% | -5 bps | |
| Efficiency Ratio | 63.47% | 65.79% | 63.44% | 61.88% | 62.53% | 65.56% | 61.95% | 58.74% | -314 bps | |
| Non-Interest Burden | 2.01% | 2.17% | 2.02% | 1.95% | 1.98% | 2.10% | 1.93% | 1.83% | -11 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 | 0.76% | 0.04% | 0.24% | 0.27% | 0.23% | 0.00% | -0.10% | -0.05% | -33 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 |