Minneapolis, MN · Charter 24446
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 | 0.33% | 0.97% | 1.41% | 1.21% | 0.92% | 0.71% | 0.71% | 0.59% | -63 bps | |
| Return on Equity | 2.70% | 7.95% | 10.90% | 9.18% | 6.87% | 5.41% | 5.20% | 4.21% | -497 bps | |
| Net Interest Margin | 2.56% | 2.30% | 2.33% | 2.35% | 2.36% | 2.19% | 2.26% | 2.35% | +1 bps | |
| Efficiency Ratio | 73.03% | 72.37% | 62.11% | 65.99% | 71.51% | 70.96% | 77.47% | 78.69% | +1,270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 3.37% | 0.44% | -0.14% | -1.43% | -1.11% | -1.73% | -2.27% | -213 bps | |
| Loan Growth (YoY) | -10.72% | -6.25% | -4.71% | -1.77% | -1.02% | -0.34% | 7.64% | 15.86% | +1,763 bps | |
| Share Growth (YoY) | 3.54% | 3.36% | -0.20% | -1.10% | -2.52% | -1.91% | -2.72% | -3.05% | -196 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.75% | 0.77% | 0.64% | 0.72% | 0.52% | 0.71% | 0.42% | -22 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 | 1.95% | 1.61% | 1.36% | 1.23% | 1.24% | 1.15% | 0.91% | 0.78% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.29% | 12.21% | 12.92% | 13.22% | 13.38% | 13.18% | 13.70% | 13.96% | +75 bps | |
| Net Worth / Assets | 12.29% | 12.21% | 12.92% | 13.22% | 13.38% | 13.18% | 13.70% | 13.96% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.79% | 58.26% | 59.44% | 59.66% | 60.71% | 59.19% | 65.77% | 71.30% | +1,164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |