Park Rapids, MN · Cert 1406
FDIC · 1 branch
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.03% | 1.21% | 1.00% | 1.38% | 2.45% | 1.64% | 1.12% | +12 bps | |
| Return on Equity | 10.47% | 11.24% | 13.59% | 10.92% | 14.07% | 23.31% | 14.35% | 9.21% | -171 bps | |
| Net Interest Margin | 3.13% | 3.29% | 3.23% | 3.27% | 3.06% | 3.21% | 3.12% | 3.09% | -18 bps | |
| Efficiency Ratio | 70.90% | 72.14% | 67.52% | 75.82% | 63.26% | 56.51% | 66.25% | 77.62% | +180 bps | |
| Non-Interest Burden | 2.12% | 2.27% | 2.03% | 2.36% | 1.80% | 1.50% | 1.89% | 2.27% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.57% | 10.34% | 13.35% | 10.03% | 5.22% | -1.31% | -7.20% | -8.92% | -1,895 bps | |
| Loan Growth (YoY) | 2.28% | 3.44% | 1.64% | -0.94% | -4.34% | -1.44% | -4.07% | -3.65% | -271 bps | |
| Deposit Growth (YoY) | 13.78% | 14.04% | 14.30% | 13.21% | 2.69% | -3.58% | -7.59% | -14.49% | -2,770 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 | 0.69% | 0.11% | -0.25% | -0.02% | -0.01% | 0.04% | 0.38% | -0.11% | -10 bps | |
| Allowance / Loans | 1.38% | 1.34% | 1.37% | 1.42% | 1.49% | 1.02% | 0.93% | 0.98% | -44 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 | 11.43% | n/a | n/a |
| Total Risk-Based Capital | 17.63% | 17.86% | 17.72% | 18.09% | 19.01% | 19.38% | 20.09% | 19.68% | +159 bps | |
| Equity / Assets | 9.42% | 8.88% | 8.93% | 9.44% | 10.17% | 10.87% | 11.97% | 12.36% | +292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.30% | 50.27% | 51.94% | 50.06% | 48.72% | 51.38% | 53.92% | 56.41% | +635 bps | |
| Liquid Assets / Assets | 0.16% | 0.14% | 0.08% | 0.19% | 0.22% | 0.24% | 0.23% | 0.12% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |