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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | 0.10% | -0.15% | 0.57% | -0.12% | 0.55% | 0.11% | -0.02% | -59 bps | |
| Return on Equity | -5.28% | 1.22% | -1.84% | 6.93% | -1.42% | 6.25% | 1.20% | -0.20% | -713 bps | |
| Net Interest Margin | 3.19% | 3.31% | 3.28% | 3.30% | 3.30% | 3.43% | 3.43% | 3.27% | -3 bps | |
| Efficiency Ratio | 97.40% | 97.87% | 104.15% | 85.00% | 102.83% | 86.43% | 93.69% | 99.08% | +1,408 bps | |
| Non-Interest Burden | 3.08% | 3.23% | 3.43% | 2.75% | 3.40% | 2.90% | 3.18% | 3.24% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.91% | 3.94% | 5.29% | 0.92% | -4.61% | -3.55% | -4.78% | 4.01% | +310 bps | |
| Loan Growth (YoY) | -4.38% | -1.64% | -1.31% | 7.85% | 11.62% | 8.56% | 1.87% | -1.91% | -976 bps | |
| Deposit Growth (YoY) | 4.32% | 7.59% | 5.99% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.95% | 0.12% | 0.03% | 0.00% | 0.06% | 0.50% | 0.14% | 0.29% | +29 bps | |
| Allowance / Loans | 1.68% | 1.58% | 1.51% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 8.57% | 8.82% | 8.78% | 8.43% | n/a | |
| Total Risk-Based Capital | 15.15% | 14.59% | 13.93% | 14.12% | 14.56% | 14.77% | 14.37% | 14.00% | -12 bps | |
| Equity / Assets | 8.19% | 8.40% | 8.08% | 8.35% | 8.64% | 8.88% | 8.75% | 8.09% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.96% | 61.98% | 62.68% | 65.87% | 68.12% | 70.07% | 67.44% | 61.94% | -393 bps | |
| Liquid Assets / Assets | 17.71% | 18.15% | 15.55% | 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 | n/a | n/a | n/a |