Minneapolis, MN · Cert 34144
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.09% | -0.86% | -0.03% | 0.20% | -0.03% | -0.11% | 0.57% | +60 bps | |
| Return on Equity | 2.21% | -0.75% | -7.17% | -0.27% | 1.69% | -0.29% | -0.95% | 5.31% | +558 bps | |
| Net Interest Margin | 4.02% | 4.20% | 4.08% | 3.81% | 3.84% | 3.90% | 3.90% | 3.77% | -4 bps | |
| Efficiency Ratio | 77.23% | 72.68% | 73.27% | 83.61% | 83.05% | 105.90% | 104.13% | 74.48% | -913 bps | |
| Non-Interest Burden | 3.06% | 2.96% | 2.91% | 3.16% | 3.14% | 4.08% | 4.03% | 2.70% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.47% | -8.28% | -2.70% | -9.57% | -8.23% | -4.71% | -4.55% | 5.08% | +1,465 bps | |
| Loan Growth (YoY) | -9.85% | -11.02% | -12.05% | -14.03% | -13.54% | -14.26% | -11.79% | -5.70% | +833 bps | |
| Deposit Growth (YoY) | -7.91% | -1.74% | 0.61% | -9.44% | -5.75% | -3.73% | -3.85% | 6.80% | +1,624 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 | 1.10% | 1.35% | 1.95% | 0.72% | 0.16% | 0.22% | 0.12% | -0.05% | -77 bps | |
| Allowance / Loans | 1.90% | 2.48% | 1.94% | 2.16% | 2.25% | 1.94% | 2.21% | 2.27% | +11 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.91% | 12.65% | 13.13% | 13.86% | 14.27% | 14.80% | 14.29% | 14.67% | +81 bps | |
| Equity / Assets | 12.61% | 12.48% | 11.00% | 12.00% | 11.95% | 11.81% | 10.65% | 10.80% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.15% | 98.05% | 88.46% | 90.85% | 92.80% | 87.33% | 81.15% | 80.21% | -1,064 bps | |
| Liquid Assets / Assets | 0.25% | 1.25% | 8.52% | 8.41% | 4.20% | 8.48% | 15.16% | 16.81% | +840 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |