Madison Lake, MN · Cert 1923
FDIC · 2 branches
Q4 2015
Market Position · Mankato-North Mankato, MN · 2015 SOD (annual) · 1.0% share · #20 of 22 inst. · $0.0B of $2.1B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | -0.12% | 0.21% | 0.17% | 0.12% | +10 bps | |
| Return on Equity | 0.25% | -1.42% | 2.42% | 2.01% | 1.46% | +120 bps | |
| Net Interest Margin | 3.25% | 3.30% | 3.39% | 3.39% | 3.25% | 0 bps | |
| Efficiency Ratio | 96.12% | 102.83% | 94.46% | 94.20% | 95.42% | -71 bps | |
| Non-Interest Burden | 3.11% | 3.40% | 3.18% | 3.17% | 3.08% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.92% | -4.61% | -3.55% | -4.78% | 4.01% | +310 bps | |
| Loan Growth (YoY) | 7.85% | 11.62% | 8.56% | 1.87% | -1.91% | -976 bps | |
| Deposit Growth (YoY) | 1.12% | -5.03% | -3.96% | -5.32% | 4.31% | +318 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.06% | 0.28% | 0.24% | 0.25% | -22 bps | |
| Allowance / Loans | 1.46% | 1.46% | 1.31% | 1.30% | 1.23% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | 8.57% | 8.82% | 8.78% | 8.43% | n/a | |
| Total Risk-Based Capital | 14.12% | 14.56% | 14.77% | 14.37% | 14.00% | -12 bps | |
| Equity / Assets | 8.35% | 8.64% | 8.88% | 8.75% | 8.09% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.87% | 68.12% | 70.07% | 67.44% | 61.94% | -393 bps | |
| Liquid Assets / Assets | 14.75% | 12.88% | 15.24% | 16.04% | 15.89% | +115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |