Saint Paul, MN · Cert 17640
FDIC · 2 branches
Q2 2016
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2016 SOD (annual) · 0.0% share · #129 of 154 inst. · $0.0B of $179.0B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.02% | 0.95% | 0.60% | 0.71% | 0.57% | 0.60% | 0.31% | -28 bps | |
| Return on Equity | 8.96% | 8.39% | 7.57% | 4.68% | 5.55% | 4.38% | 4.57% | 2.36% | -232 bps | |
| Net Interest Margin | 3.48% | 3.47% | 3.40% | 3.46% | 3.49% | 3.41% | 3.22% | 3.10% | -36 bps | |
| Efficiency Ratio | 71.88% | 72.78% | 73.41% | 83.43% | 79.39% | 82.74% | 82.55% | 87.54% | +411 bps | |
| Non-Interest Burden | 2.36% | 2.38% | 2.41% | 2.83% | 2.69% | 2.75% | 2.60% | 2.67% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.84% | 3.07% | 2.14% | -3.03% | -2.61% | -3.12% | -2.37% | 0.28% | +331 bps | |
| Loan Growth (YoY) | 9.54% | 29.63% | 30.58% | 18.94% | 11.51% | 5.01% | 0.84% | -13.50% | -3,244 bps | |
| Deposit Growth (YoY) | -2.77% | -2.12% | 1.22% | -0.62% | -0.29% | 0.05% | -2.90% | -0.16% | +45 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 | -0.39% | -0.25% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.35% | 2.08% | 2.12% | 2.13% | 2.17% | 1.93% | 2.05% | 2.40% | +27 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 | 10.98% | 11.32% | 11.70% | 11.56% | 11.77% | 11.65% | +33 bps | |
| Total Risk-Based Capital | 17.70% | 16.71% | 16.83% | 17.28% | 18.04% | 17.30% | 18.20% | 20.14% | +286 bps | |
| Equity / Assets | 12.60% | 12.19% | 12.82% | 13.15% | 13.33% | 13.27% | 13.20% | 13.51% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.93% | 57.79% | 54.46% | 56.85% | 55.84% | 60.66% | 56.56% | 49.26% | -759 bps | |
| Liquid Assets / Assets | 27.96% | 24.30% | 23.17% | 22.32% | 21.58% | 20.36% | 20.16% | 16.27% | -605 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |