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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.20% | 0.15% | 0.49%1 | 0.35% | 0.29% | 0.35% | 0.74% | +25 bps | |
| Return on Equity | 5.16% | 2.29% | 1.70% | 5.72% | 4.06% | 3.45% | 4.30% | 8.91% | +319 bps | |
| Net Interest Margin | 2.42% | 2.37% | 2.16% | 2.21% | 2.23% | 2.29% | 2.22% | 2.26% | +5 bps | |
| Efficiency Ratio | 86.91% | 94.26% | 95.02% | 96.56% | 89.26% | 90.41% | 88.59% | 79.32% | -1,724 bps | |
| Non-Interest Burden | 1.92% | 2.17% | 2.00% | 2.10% | 1.87% | 1.96% | 1.86% | 1.50% | -60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 3.02% | 3.71% | 3.56% | 4.50% | 8.55% | 9.16% | 6.53% | +297 bps | |
| Loan Growth (YoY) | 13.25% | 4.82% | -0.45% | -1.36% | -0.56% | 6.70% | 6.46% | 2.30% | +366 bps | |
| Deposit Growth (YoY) | 5.94% | 2.88% | 3.55% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.52% | -0.11% | 0.09% | 0.11% | 0.03% | 0.09% | 0.11% | 0.18% | +7 bps | |
| Allowance / Loans | 1.56% | 1.64% | 1.64% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 8.67% | 8.62% | 8.27% | 8.10% | 8.40% | -27 bps | |
| Total Risk-Based Capital | 20.11% | 20.83% | 20.87% | 21.00% | 20.91% | 20.64% | 20.83% | 21.51% | +51 bps | |
| Equity / Assets | 8.65% | 8.68% | 8.49% | 8.68% | 8.46% | 8.24% | 8.04% | 8.58% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.84% | 44.13% | 42.76% | 44.67% | 43.52% | 43.15% | 41.41% | 42.81% | -187 bps | |
| Liquid Assets / Assets | 41.66% | 42.29% | 44.62% | 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 | n/a | n/a | n/a |