Clements, MN · Charter 13998
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.08% | -1.37% | -2.59% | -2.40% | -2.24% | -2.36% | -2.38% | -2.49% | -9 bps | |
| Return on Equity | -7.83% | -10.72% | -21.68% | -21.00% | -20.87% | -22.24% | -23.57% | -25.48% | -448 bps | |
| Net Interest Margin | 2.93% | 2.88% | 2.09% | 2.05% | 1.91% | 1.88% | 1.35% | 1.37% | -68 bps | |
| Efficiency Ratio | 129.76% | 137.82% | 194.90% | 186.36% | 186.59% | 188.49% | 220% | 220% | +3,373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.45% | 24.76% | 12.45% | 4.96% | -0.16% | -7.39% | -3.76% | -6.16% | -1,112 bps | |
| Loan Growth (YoY) | 10.49% | -18.55% | -17.60% | -6.92% | -29.01% | -38.95% | -29.25% | -29.79% | -2,287 bps | |
| Share Growth (YoY) | 23.48% | 32.19% | 18.18% | 9.27% | 3.38% | -5.03% | -1.76% | -4.37% | -1,364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.81% | 0.93% | 0.98% | 1.14% | 1.32% | 1.32% | 1.40% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.78% | 12.75% | 11.95% | 11.42% | 10.75% | 10.61% | 10.11% | 9.76% | -166 bps | |
| Net Worth / Assets | 13.78% | 12.75% | 11.95% | 11.42% | 10.75% | 10.61% | 10.11% | 9.76% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.83% | 45.67% | 41.15% | 38.77% | 32.84% | 29.36% | 29.64% | 28.47% | -1,031 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |