Moorhead, MN · Cert 34380
FDIC · 16 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Moorhead, MN · Cert 34380
FDIC · 16 branches
Q3 2014
Market Position · Fargo, ND-MN · 2014 SOD (annual) · 5.0% share · #5 of 27 inst. · $0.3B of $6.3B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 0.96% | 1.02% | 1.14% | 1.14% | 0.96% | 1.11% | 1.13% | -1 bps | |
| Return on Equity | 13.68% | 10.43% | 10.98% | 12.16% | 12.07% | 9.78% | 11.21% | 11.40% | -76 bps | |
| Net Interest Margin | 3.68% | 3.29% | 3.42% | 3.55% | 3.48% | 3.42% | 3.53% | 3.51% | -4 bps | |
| Efficiency Ratio | 55.30% | 63.55% | 62.25% | 61.72% | 62.04% | 63.55% | 61.51% | 60.04% | -167 bps | |
| Non-Interest Burden | 1.75% | 1.89% | 1.90% | 1.96% | 1.93% | 1.99% | 1.96% | 1.88% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.92% | 6.10% | 0.81% | 0.35% | -1.89% | -4.54% | 6.56% | 6.38% | +602 bps | |
| Loan Growth (YoY) | 4.62% | 1.91% | 0.06% | 2.45% | 2.58% | 4.36% | 7.97% | 9.28% | +683 bps | |
| Deposit Growth (YoY) | 11.30% | 10.20% | 5.77% | 2.76% | -1.81% | -5.83% | -6.65% | -6.92% | -968 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 | 0.05% | -0.01% | -0.01% | -0.01% | 0.00% | -0.03% | -0.01% | -0.02% | -1 bps | |
| Allowance / Loans | 1.49% | 1.53% | 1.49% | 1.34% | 1.32% | 1.38% | 1.26% | 1.26% | -8 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 | 12.83% | 12.96% | 12.56% | 12.35% | 12.53% | 12.61% | 12.26% | 12.40% | +5 bps | |
| Equity / Assets | 9.35% | 8.98% | 9.61% | 9.67% | 9.84% | 9.85% | 9.91% | 9.98% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.29% | 90.69% | 99.96% | 100.19% | 99.54% | 100.51% | 115.63% | 117.64% | +1,745 bps | |
| Liquid Assets / Assets | 10.22% | 15.38% | 5.72% | 4.22% | 4.21% | 3.62% | 3.24% | 3.06% | -116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |