Mendota Heights, MN · Cert 20843
FDIC · 7 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Mendota Heights, MN · Cert 20843
FDIC · 7 branches
Q1 2015
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2014 SOD (annual) · 0.1% share · #33 of 159 inst. · $0.2B of $212.7B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.35% | 2.16% | 2.05% | 1.25% | 1.36% | 1.26% | 1.57% | 1.97% | +72 bps | |
| Return on Equity | 45.11% | 39.96% | 36.33% | 18.13% | 18.85% | 16.87% | 20.26% | 21.27% | +314 bps | |
| Net Interest Margin | 2.80% | 2.79% | 2.60% | 2.62% | 2.72% | 2.78% | 2.86% | 3.01% | +38 bps | |
| Efficiency Ratio | 86.42% | 86.81% | 90.05% | 88.61% | 85.75% | 87.48% | 85.73% | 80.30% | -830 bps | |
| Non-Interest Burden | 1.99% | 1.97% | 1.98% | 1.86% | 1.72% | 1.89% | 1.80% | 1.52% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.35% | -14.27% | -13.35% | -10.64% | -4.82% | -7.82% | -3.60% | 0.95% | +1,159 bps | |
| Loan Growth (YoY) | -22.57% | -21.02% | -12.55% | -9.08% | -1.83% | 3.65% | 6.17% | 14.88% | +2,396 bps | |
| Deposit Growth (YoY) | -17.72% | -16.58% | -15.83% | -11.49% | -7.72% | -11.37% | -7.43% | -2.36% | +913 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 | 0.42% | 1.50% | 0.68% | -3.42% | -1.75% | -0.97% | -0.78% | -0.16% | +325 bps | |
| Allowance / Loans | 8.12% | 6.90% | 6.17% | 7.00% | 6.52% | 5.95% | 5.39% | 5.06% | -194 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 | n/a | n/a | n/a | 9.90% | n/a | n/a |
| Total Risk-Based Capital | 12.17% | 13.10% | 13.91% | 14.86% | 15.14% | 15.22% | 15.85% | 16.58% | +172 bps | |
| Equity / Assets | 5.65% | 6.03% | 6.62% | 7.22% | 7.83% | 8.22% | 8.99% | 9.52% | +231 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.53% | 50.89% | 54.81% | 52.70% | 55.88% | 59.51% | 62.85% | 62.00% | +930 bps | |
| Liquid Assets / Assets | 10.30% | 13.31% | 10.42% | 12.71% | 13.33% | 11.44% | 10.11% | 14.03% | +132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |