Montevideo, MN · Cert 1398
FDIC
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.15% | 1.13% | 1.18% | 1.10% | 1.06% | 1.07% | 1.03% | -15 bps | |
| Return on Equity | 10.59% | 11.54% | 11.41% | 11.71% | 10.61% | 10.02% | 10.26% | 9.91% | -180 bps | |
| Net Interest Margin | 3.70% | 3.77% | 3.80% | 3.60% | 3.68% | 3.67% | 3.71% | 3.40% | -20 bps | |
| Efficiency Ratio | 53.50% | 51.66% | 52.79% | 50.69% | 55.31% | 57.08% | 56.11% | 56.57% | +588 bps | |
| Non-Interest Burden | 1.85% | 1.79% | 1.86% | 1.61% | 1.80% | 1.88% | 1.88% | 1.73% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.46% | -3.07% | -1.27% | 1.46% | -6.00% | -6.44% | -4.31% | -2.68% | -414 bps | |
| Loan Growth (YoY) | 2.27% | 0.79% | -0.12% | -6.52% | -10.39% | -7.85% | -2.30% | 5.41% | +1,193 bps | |
| Deposit Growth (YoY) | -7.55% | -6.78% | 0.59% | 1.58% | -4.82% | -2.20% | -7.92% | -1.68% | -326 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% | 0.03% | 0.01% | -0.17% | -0.11% | -0.07% | -0.01% | 0.06% | +23 bps | |
| Allowance / Loans | 1.22% | 1.23% | 1.15% | 1.37% | 1.44% | 1.42% | 1.21% | 1.26% | -11 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 | 12.86% | 13.16% | 12.48% | 14.02% | 14.31% | 14.18% | 12.45% | 13.12% | -90 bps | |
| Equity / Assets | 10.22% | 10.25% | 9.82% | 10.40% | 11.08% | 10.95% | 10.20% | 10.66% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.50% | 100.98% | 100.84% | 92.75% | 94.62% | 95.14% | 106.99% | 99.43% | +668 bps | |
| Liquid Assets / Assets | 4.34% | 5.47% | 6.74% | 12.23% | 9.40% | 8.35% | 5.95% | 6.09% | -613 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |