Navarre, MN · Cert 19103
FDIC · 5 branches
Q1 2016
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2015 SOD (annual) · 0.0% share · #93 of 154 inst. · $0.1B of $171.1B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49%1 | 0.42% | 0.37% | 0.37% | 0.74% | +25 bps | |
| Return on Equity | 5.72% | 4.89% | 4.40% | 4.38% | 8.91% | +319 bps | |
| Net Interest Margin | 2.21% | 2.20% | 2.16% | 2.12% | 2.26% | +5 bps | |
| Efficiency Ratio | 96.56% | 92.84% | 91.99% | 91.12% | 79.32% | -1,724 bps | |
| Non-Interest Burden | 2.10% | 1.97% | 1.90% | 1.85% | 1.50% | -60 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.56% | 4.50% | 8.55% | 9.16% | 6.53% | +297 bps | |
| Loan Growth (YoY) | -1.36% | -0.56% | 6.70% | 6.46% | 2.30% | +366 bps | |
| Deposit Growth (YoY) | 3.57% | 4.72% | 9.10% | 9.93% | 6.76% | +319 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.07% | 0.08% | 0.08% | 0.18% | +7 bps | |
| Allowance / Loans | 1.60% | 1.58% | 1.53% | 1.53% | 1.52% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.67% | 8.62% | 8.27% | 8.10% | 8.40% | -27 bps | |
| Total Risk-Based Capital | 21.00% | 20.91% | 20.64% | 20.83% | 21.51% | +51 bps | |
| Equity / Assets | 8.68% | 8.46% | 8.24% | 8.04% | 8.58% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.67% | 43.52% | 43.15% | 41.41% | 42.81% | -187 bps | |
| Liquid Assets / Assets | 43.30% | 45.36% | 45.51% | 48.44% | 43.21% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |