Eden Valley, MN · Cert 1916
FDIC · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Eden Valley, MN · Cert 1916
FDIC · 1 branch
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.17% | 1.05% | 1.29% | 1.10% | 0.75% | 0.93% | 0.82% | -47 bps | |
| Return on Equity | 13.11% | 13.05% | 11.61% | 14.36% | 12.32% | 8.44% | 10.37% | 9.40% | -496 bps | |
| Net Interest Margin | 3.58% | 3.61% | 3.65% | 3.59% | 3.37% | 3.32% | 3.45% | 3.31% | -28 bps | |
| Efficiency Ratio | 72.62% | 69.45% | 72.50% | 72.41% | 74.42% | 74.76% | 78.11% | 80.73% | +832 bps | |
| Non-Interest Burden | 2.50% | 2.43% | 2.56% | 2.52% | 2.44% | 2.40% | 2.62% | 2.64% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.01% | -1.11% | 4.25% | 9.71% | 5.12% | -0.31% | 4.34% | 5.12% | -459 bps | |
| Loan Growth (YoY) | 2.38% | 11.67% | 7.27% | 2.02% | -6.30% | -8.15% | -11.31% | -8.77% | -1,080 bps | |
| Deposit Growth (YoY) | 11.73% | -2.43% | 1.98% | 14.17% | 9.01% | 2.54% | 7.54% | 6.04% | -814 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 | 0.05% | 0.14% | 0.05% | -0.06% | 0.24% | 0.05% | 0.00% | 0.00% | +6 bps | |
| Allowance / Loans | 1.33% | 1.30% | 1.36% | 1.15% | 0.94% | 1.04% | 1.00% | 1.00% | -15 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 | 9.15% | 9.25% | 9.42% | 9.10% | 8.62% | 9.23% | 8.83% | -59 bps | |
| Total Risk-Based Capital | 17.29% | 16.00% | 16.36% | 14.45% | 15.12% | 12.00% | 14.51% | 14.00% | -45 bps | |
| Equity / Assets | 8.99% | 9.01% | 9.14% | 8.83% | 8.80% | 9.04% | 9.22% | 8.09% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.49% | 61.47% | 63.06% | 54.47% | 52.00% | 55.06% | 52.01% | 46.86% | -761 bps | |
| Liquid Assets / Assets | 12.16% | 12.50% | 10.25% | 22.78% | 24.40% | 17.69% | 19.85% | 22.16% | -62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |