Okabena, MN · Cert 1934
FDIC · 1 branch
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | -0.35% | 0.22% | -0.09% | -0.13% | -15 bps | |
| Return on Equity | 0.16% | -2.81% | 1.88% | -0.75% | -1.12% | -128 bps | |
| Net Interest Margin | 2.63% | 2.73% | 2.43% | 2.42% | 2.34% | -29 bps | |
| Efficiency Ratio | 90.08% | 125.40% | 91.30% | 101.77% | 105.41% | +1,532 bps | |
| Non-Interest Burden | 2.31% | 3.38% | 2.16% | 2.41% | 2.42% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.13% | 1.43% | -1.45% | -0.59% | 2.63% | +376 bps | |
| Loan Growth (YoY) | 3.35% | -7.43% | -7.64% | -11.03% | -19.97% | -2,332 bps | |
| Deposit Growth (YoY) | 4.81% | 3.63% | 0.21% | 0.99% | 4.99% | +18 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.07% | 0.00% | 0 bps | |
| Allowance / Loans | 2.51% | 2.90% | 2.91% | 2.99% | 3.19% | +68 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.45% | 9.65% | 9.74% | 9.65% | 9.55% | -190 bps | |
| Total Risk-Based Capital | 27.81% | 25.32% | 25.60% | 25.26% | 25.31% | -250 bps | |
| Equity / Assets | 13.59% | 11.47% | 11.43% | 11.42% | 11.61% | -198 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.81% | 37.09% | 36.26% | 35.74% | 34.16% | -1,065 bps | |
| Liquid Assets / Assets | 26.27% | 34.49% | 35.19% | 33.86% | 36.15% | +988 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |