Kasson, MN · Cert 15329
FDIC · 2 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kasson, MN · Cert 15329
FDIC · 2 branches
Q2 2015
Market Position · Rochester, MN · 2015 SOD (annual) · 1.0% share · #21 of 36 inst. · $0.0B of $4.9B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.13% | 0.02% | -0.34% | -0.11% | 0.15% | -0.10% | 0.30% | +65 bps | |
| Return on Equity | 2.35% | 1.57% | 0.24% | -4.20% | -1.36% | 1.79% | -1.19% | 3.45% | +766 bps | |
| Net Interest Margin | 3.21% | 3.24% | 3.06% | 3.11% | 3.15% | 3.24% | 2.96% | 3.02% | -9 bps | |
| Efficiency Ratio | 81.27% | 79.41% | 87.70% | 87.99% | 88.49% | 85.78% | 102.77% | 92.80% | +481 bps | |
| Non-Interest Burden | 2.55% | 2.51% | 2.65% | 2.70% | 2.75% | 2.74% | 3.05% | 2.76% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | -8.33% | -3.76% | -2.33% | -6.28% | -0.86% | -7.22% | -6.96% | -463 bps | |
| Loan Growth (YoY) | -6.65% | -4.97% | -4.47% | -5.09% | -2.86% | -4.05% | -7.34% | -20.85% | -1,576 bps | |
| Deposit Growth (YoY) | 3.36% | -7.83% | -2.97% | -2.13% | -6.41% | -1.13% | -7.73% | -8.25% | -612 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 | 0.27% | 0.91% | 0.11% | 1.02% | 0.82% | 0.69% | 1.18% | 0.67% | -35 bps | |
| Allowance / Loans | 2.11% | 1.79% | 1.89% | 1.85% | 1.74% | 1.82% | 1.65% | 1.87% | +3 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 | 8.62% | 9.06% | n/a | |
| Total Risk-Based Capital | 13.87% | 13.72% | 12.90% | 11.98% | 13.12% | 14.73% | 15.61% | 17.28% | +530 bps | |
| Equity / Assets | 8.07% | 8.14% | 8.30% | 8.11% | 8.21% | 8.30% | 8.89% | 9.19% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.82% | 61.11% | 58.62% | 62.51% | 64.16% | 59.30% | 58.88% | 53.92% | -859 bps | |
| Liquid Assets / Assets | 0.28% | 0.82% | 4.40% | 5.69% | 5.40% | 4.85% | 5.97% | 5.70% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |