Saint James, MN · Cert 31071
FDIC · 1 branch
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.27% | 0.47% | 0.09% | 0.24% | 0.61% | 0.47% | 0.62% | +53 bps | |
| Return on Equity | 2.43% | 2.72% | 4.93% | 0.89% | 2.37% | 6.00% | 4.62% | 5.84% | +495 bps | |
| Net Interest Margin | 3.39% | 3.51% | 3.39% | 3.53% | 3.69% | 3.69% | 3.50% | 3.58% | +5 bps | |
| Efficiency Ratio | 85.02% | 80.65% | 74.61% | 97.24% | 92.40% | 76.49% | 80.95% | 83.40% | -1,383 bps | |
| Non-Interest Burden | 2.84% | 2.80% | 2.47% | 3.45% | 3.40% | 2.76% | 2.79% | 2.96% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -8.76% | -2.17% | -1.34% | -1.53% | 1.51% | -6.17% | -4.51% | -318 bps | |
| Loan Growth (YoY) | -2.56% | -5.19% | 0.25% | -1.53% | 0.02% | 1.59% | -6.43% | -2.42% | -89 bps | |
| Deposit Growth (YoY) | 1.45% | -9.94% | -2.73% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.77% | 0.00% | 0.00% | 0.00% | 0.23% | -0.07% | 0.11% | +11 bps | |
| Allowance / Loans | 1.90% | 1.75% | 1.84% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 10.29% | 10.83% | n/a | |
| Total Risk-Based Capital | 16.37% | 16.09% | 16.02% | 16.69% | 16.80% | 16.43% | 17.50% | 17.47% | +78 bps | |
| Equity / Assets | 9.78% | 9.92% | 9.33% | 9.99% | 10.21% | 10.12% | 10.30% | 10.97% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.52% | 77.81% | 71.43% | 74.94% | 77.06% | 78.02% | 72.03% | 77.44% | +250 bps | |
| Liquid Assets / Assets | 25.81% | 26.20% | 31.34% | 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 | n/a | n/a | n/a |