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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.11% | 0.15% | -0.10% | 0.30% | +65 bps | |
| Return on Equity | -4.20% | -1.36% | 1.79% | -1.19% | 3.45% | +766 bps | |
| Net Interest Margin | 3.11% | 3.15% | 3.24% | 2.96% | 3.02% | -9 bps | |
| Efficiency Ratio | 87.99% | 88.49% | 85.78% | 102.77% | 92.80% | +481 bps | |
| Non-Interest Burden | 2.70% | 2.75% | 2.74% | 3.05% | 2.76% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.33% | -6.28% | -0.86% | -7.22% | -6.96% | -463 bps | |
| Loan Growth (YoY) | -5.09% | -2.86% | -4.05% | -7.34% | -20.85% | -1,576 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 1.02% | 0.82% | 0.69% | 1.18% | 0.67% | -35 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 8.62% | 9.06% | n/a | |
| Total Risk-Based Capital | 11.98% | 13.12% | 14.73% | 15.61% | 17.28% | +530 bps | |
| Equity / Assets | 8.11% | 8.21% | 8.30% | 8.89% | 9.19% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.51% | 64.16% | 59.30% | 58.88% | 53.92% | -859 bps | |
| Liquid Assets / Assets | 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 |