Minnetonka, MN · Charter 24444
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.57% | 0.52% | 0.40% | 0.48% | 0.37% | 0.51% | 0.55% | +16 bps | |
| Return on Equity | 6.75% | 5.86% | 5.06% | 3.99% | 4.64% | 3.62% | 4.72% | 5.14% | +114 bps | |
| Net Interest Margin | 2.69% | 2.37% | 2.50% | 2.39% | 2.45% | 2.38% | 2.53% | 2.51% | +12 bps | |
| Efficiency Ratio | 77.51% | 82.82% | 82.43% | 86.31% | 84.98% | 88.09% | 84.98% | 83.31% | -300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.25% | 5.73% | 1.40% | -0.37% | -1.90% | -1.69% | -0.78% | -2.14% | -176 bps | |
| Loan Growth (YoY) | 1.95% | 2.08% | -3.31% | -2.79% | 0.77% | 3.68% | 9.92% | 9.35% | +1,214 bps | |
| Share Growth (YoY) | 7.98% | 5.01% | 0.88% | -1.01% | -2.05% | -2.06% | -1.12% | -2.86% | -185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.71% | 0.50% | 0.30% | 0.15% | 0.11% | 0.06% | 0.03% | -27 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% | 0.68% | 0.65% | 0.60% | 0.49% | 0.47% | 0.41% | 0.36% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 9.76% | 10.29% | 9.94% | 10.37% | 10.35% | 10.85% | 10.74% | +81 bps | |
| Net Worth / Assets | 9.70% | 9.76% | 10.29% | 9.94% | 10.37% | 10.35% | 10.85% | 10.74% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.00% | 57.34% | 59.61% | 57.57% | 60.70% | 60.69% | 66.26% | 64.81% | +724 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |