Roseville, MN · Charter 24356
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Roseville, MN · Charter 24356
Q1 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.79% | 0.78% | 1.22% | 0.87% | 0.78% | 0.80% | 0.73% | -49 bps | |
| Return on Equity | 11.67% | 10.35% | 10.21% | 15.78% | 10.99% | 9.71% | 9.76% | 8.97% | -681 bps | |
| Net Interest Margin | 2.95% | 2.92% | 2.84% | 2.71% | 2.71% | 2.69% | 2.66% | 2.55% | -15 bps | |
| Efficiency Ratio | 75.29% | 77.15% | 78.30% | 79.55% | 82.17% | 83.22% | 82.98% | 87.64% | +809 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.94% | 6.75% | 8.52% | 7.58% | 5.57% | 4.88% | 4.18% | 3.73% | -385 bps | |
| Loan Growth (YoY) | 0.20% | 0.07% | 0.44% | 2.59% | 2.97% | 5.04% | 4.22% | 1.65% | -94 bps | |
| Share Growth (YoY) | 5.84% | 6.45% | 8.12% | 7.12% | 5.73% | 4.85% | 4.11% | 3.58% | -354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.41% | 0.63% | 0.36% | 0.34% | 0.29% | 0.33% | 0.16% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.45% | 1.33% | 1.13% | 1.07% | 1.00% | 0.90% | 0.80% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.55% | 7.62% | 7.68% | 7.72% | 7.93% | 8.05% | 8.17% | 8.10% | +38 bps | |
| Net Worth / Assets | 7.55% | 7.62% | 7.68% | 7.72% | 7.93% | 8.05% | 8.17% | 8.10% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.22% | 75.09% | 75.37% | 72.97% | 74.23% | 75.23% | 75.45% | 71.62% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |