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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.10% | 0.75% | 0.93% | 0.82% | -47 bps | |
| Return on Equity | 14.36% | 12.32% | 8.44% | 10.37% | 9.40% | -496 bps | |
| Net Interest Margin | 3.59% | 3.37% | 3.32% | 3.45% | 3.31% | -28 bps | |
| Efficiency Ratio | 72.41% | 74.42% | 74.76% | 78.11% | 80.73% | +832 bps | |
| Non-Interest Burden | 2.52% | 2.44% | 2.40% | 2.62% | 2.64% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.71% | 5.12% | -0.31% | 4.34% | 5.12% | -459 bps | |
| Loan Growth (YoY) | 2.02% | -6.30% | -8.15% | -11.31% | -8.77% | -1,080 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.24% | 0.05% | 0.00% | 0.00% | +6 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.42% | 9.10% | 8.62% | 9.23% | 8.83% | -59 bps | |
| Total Risk-Based Capital | 14.45% | 15.12% | 12.00% | 14.51% | 14.00% | -45 bps | |
| Equity / Assets | 8.83% | 8.80% | 9.04% | 9.22% | 8.09% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.47% | 52.00% | 55.06% | 52.01% | 46.86% | -761 bps | |
| Liquid Assets / Assets | 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 |