Eden Prairie, MN · Cert 32173
FDIC · 4 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 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.
Eden Prairie, MN · Cert 32173
FDIC · 4 branches
Q1 2015
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2014 SOD (annual) · 0.1% share · #26 of 159 inst. · $0.3B of $212.7B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.43% | 0.46% | 0.25% | 0.36% | 0.39% | 0.38% | -1.78% | -204 bps | |
| Return on Equity | 6.53% | 4.99% | 5.29% | 3.14% | 4.41% | 4.67% | 4.59% | -20.77% | -2,392 bps | |
| Net Interest Margin | 4.01% | 4.12% | 3.91% | 3.67% | 3.57% | 3.70% | 3.69% | 3.38% | -28 bps | |
| Efficiency Ratio | 87.59% | 92.98% | 91.15% | 94.38% | 92.45% | 91.94% | 89.57% | 80.71% | -1,368 bps | |
| Non-Interest Burden | 3.38% | 3.74% | 3.46% | 3.41% | 3.22% | 3.31% | 3.19% | 2.56% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.43% | -10.97% | -7.08% | 9.73% | 12.82% | 5.78% | 6.53% | -5.33% | -1,506 bps | |
| Loan Growth (YoY) | -9.43% | -5.82% | 1.30% | 4.58% | 4.15% | 0.66% | 1.18% | -2.68% | -726 bps | |
| Deposit Growth (YoY) | -10.33% | -8.85% | -6.65% | 14.12% | 12.39% | 5.61% | 4.59% | -6.39% | -2,051 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 | 0.06% | 0.02% | 0.26% | 0.53% | 0.56% | 0.40% | 0.33% | -0.10% | -63 bps | |
| Allowance / Loans | 1.67% | 1.58% | 1.30% | 1.14% | 1.04% | 1.07% | 1.00% | 1.05% | -9 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 | n/a | 8.39% | n/a | n/a |
| Total Risk-Based Capital | 11.39% | 11.37% | 11.05% | 10.67% | 11.02% | 11.29% | 10.68% | 11.16% | +49 bps | |
| Equity / Assets | 9.54% | 9.10% | 8.53% | 7.64% | 8.47% | 8.78% | 8.38% | 8.78% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.47% | 90.83% | 91.07% | 81.83% | 89.40% | 86.57% | 88.11% | 85.08% | +324 bps | |
| Liquid Assets / Assets | 1.83% | 5.16% | 5.68% | 13.03% | 4.55% | 6.53% | 6.78% | 6.79% | -624 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |