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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
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 | 0.96% | -0.07% | 0.02% | -0.71% | 0.37% | 0.93% | -0.10% | 0.73% | +144 bps | |
| Return on Equity | 11.96% | -0.88% | 0.24% | -8.64% | 4.50% | 11.26% | -1.19% | 8.05% | +1,669 bps | |
| Net Interest Margin | 3.32% | 3.23% | 3.06% | 3.10% | 3.14% | 3.57% | 2.96% | 2.98% | -12 bps | |
| Efficiency Ratio | 73.77% | 73.73% | 87.70% | 88.28% | 89.54% | 78.61% | 102.77% | 83.96% | -432 bps | |
| Non-Interest Burden | 2.36% | 2.32% | 2.65% | 2.70% | 2.79% | 2.75% | 3.05% | 2.38% | -32 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 | -0.12% | 2.79% | 0.11% | 1.93% | 0.45% | 0.16% | 1.18% | 0.00% | -193 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 |