Elkton, MN · Cert 1416
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 1.54% | 0.73% | 1.22% | 1.46% | 0.92% | 1.26% | 0.84% | -38 bps | |
| Return on Equity | 3.77% | 13.50% | 6.57% | 11.45% | 14.41% | 10.07% | 14.38% | 9.26% | -219 bps | |
| Net Interest Margin | 3.54% | 3.58% | 3.52% | 3.12% | 2.97% | 2.86% | 2.97% | 3.08% | -4 bps | |
| Efficiency Ratio | 49.41% | 51.03% | 49.13% | 58.56% | 48.07% | 60.14% | 57.31% | 58.28% | -28 bps | |
| Non-Interest Burden | 1.68% | 1.75% | 1.62% | 1.90% | 1.36% | 1.62% | 1.67% | 1.75% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.63% | 4.48% | 5.41% | 4.02% | 14.69% | 15.48% | 11.58% | 4.50% | +48 bps | |
| Loan Growth (YoY) | 17.10% | 32.69% | 28.24% | 2.82% | 3.47% | -4.42% | -5.96% | -1.51% | -433 bps | |
| Deposit Growth (YoY) | 7.33% | 3.78% | 5.86% | 7.35% | 16.45% | 17.25% | 13.78% | 6.17% | -118 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 | 0.17% | 1.71% | 0.00% | 0.59% | 0.00% | 0.00% | 0.10% | 2.19% | +160 bps | |
| Allowance / Loans | 2.26% | 1.73% | 1.67% | 1.60% | 1.78% | 1.80% | 1.79% | 1.52% | -8 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 | 15.48% | 15.25% | 14.67% | 15.35% | 15.43% | 15.03% | 15.03% | 15.15% | -20 bps | |
| Equity / Assets | 11.28% | 11.49% | 10.68% | 10.62% | 9.64% | 8.70% | 8.85% | 9.22% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.04% | 60.12% | 58.52% | 55.29% | 49.79% | 49.01% | 48.37% | 51.29% | -400 bps | |
| Liquid Assets / Assets | 3.37% | 2.76% | 2.82% | 4.75% | 5.42% | 6.40% | 7.01% | 7.39% | +264 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |