Saint James, MN · Cert 31071
FDIC · 1 branch
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.27% | 0.35% | 0.47% | 0.55% | +26 bps | |
| Return on Equity | 2.91% | 2.73% | 3.55% | 4.62% | 5.23% | +233 bps | |
| Net Interest Margin | 3.48% | 3.66% | 3.63% | 3.50% | 3.61% | +12 bps | |
| Efficiency Ratio | 84.99% | 87.55% | 84.56% | 80.95% | 82.16% | -283 bps | |
| Non-Interest Burden | 2.98% | 3.21% | 3.07% | 2.79% | 2.92% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.34% | -1.53% | 1.51% | -6.17% | -4.51% | -318 bps | |
| Loan Growth (YoY) | -1.53% | 0.02% | 1.59% | -6.43% | -2.42% | -89 bps | |
| Deposit Growth (YoY) | -1.77% | -1.97% | 1.31% | -7.21% | -5.56% | -379 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | -0.07% | 0.02% | +2 bps | |
| Allowance / Loans | 1.90% | 1.88% | 1.75% | 1.93% | 1.87% | -3 bps | |
| Allowance Coverage of NPLs | 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 | 10.29% | 10.83% | n/a | |
| Total Risk-Based Capital | 16.69% | 16.80% | 16.43% | 17.50% | 17.47% | +78 bps | |
| Equity / Assets | 9.99% | 10.21% | 10.12% | 10.30% | 10.97% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.94% | 77.06% | 78.02% | 72.03% | 77.44% | +250 bps | |
| Liquid Assets / Assets | 30.08% | 27.59% | 26.83% | 26.86% | 25.70% | -438 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |