Maplewood, MN · Charter 24363
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 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.
Maplewood, MN · Charter 24363
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.58% | -0.41% | -0.12% | 0.14% | -0.21% | 0.34% | 0.69% | 0.71% | +58 bps | |
| Return on Equity | -4.91% | -3.59% | -1.04% | 1.21% | -1.98% | 3.24% | 6.39% | 6.77% | +555 bps | |
| Net Interest Margin | 3.21% | 3.22% | 3.22% | 3.23% | 3.44% | 3.56% | 3.72% | 3.60% | +37 bps | |
| Efficiency Ratio | 107.11% | 101.59% | 98.97% | 96.54% | 100.07% | 88.96% | 84.36% | 83.51% | -1,303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.72% | 3.57% | 4.80% | 8.07% | 12.00% | 15.63% | 14.10% | 15.48% | +742 bps | |
| Loan Growth (YoY) | 3.17% | 6.47% | 10.01% | 11.61% | 24.43% | 24.78% | 22.08% | 16.76% | +515 bps | |
| Share Growth (YoY) | 1.29% | 4.04% | 5.52% | 8.89% | 14.06% | 13.78% | 15.13% | 16.56% | +768 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.65% | 0.61% | 0.65% | 0.65% | 0.23% | 0.45% | 1.11% | +46 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 | 0.76% | 0.81% | 0.74% | 0.57% | 0.56% | 0.53% | 0.46% | 0.41% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.82% | 11.56% | 11.49% | 11.37% | 10.76% | 10.47% | 10.79% | 10.56% | -81 bps | |
| Net Worth / Assets | 11.82% | 11.56% | 11.49% | 11.37% | 10.76% | 10.47% | 10.79% | 10.56% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.84% | 89.01% | 89.86% | 90.39% | 94.74% | 97.62% | 95.29% | 90.54% | +15 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |