Lakeville, MN · Cert 34443
FDIC · 3 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Lakeville, MN · Cert 34443
FDIC · 3 branches
Q3 2016
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2016 SOD (annual) · 0.0% share · #90 of 154 inst. · $0.1B of $179.0B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.67% | 1.73% | 1.96% | 1.79% | -3.75% | 0.34% | 0.55% | -141 bps | |
| Return on Equity | 10.53% | 15.92% | 16.44% | 18.39% | 16.58% | -38.87% | 2.93% | 4.39% | -1,400 bps | |
| Net Interest Margin | 3.77% | 3.97% | 3.91% | 3.90% | 3.89% | 3.25% | 1.79% | 2.38% | -151 bps | |
| Efficiency Ratio | 81.86% | 77.00% | 75.41% | 72.77% | 74.79% | 168.90% | 84.79% | 83.28% | +1,051 bps | |
| Non-Interest Burden | 2.63% | 2.23% | 2.14% | 1.93% | 2.12% | 7.21% | 1.38% | 1.72% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.77% | 10.09% | 12.00% | 5.88% | 2.70% | 19.82% | 6.71% | 7.57% | +169 bps | |
| Loan Growth (YoY) | 10.32% | 15.28% | 16.68% | 12.71% | -1.85% | -0.13% | -6.16% | -12.13% | -2,485 bps | |
| Deposit Growth (YoY) | 4.75% | 7.27% | 7.04% | 2.85% | 9.53% | 24.58% | 7.08% | 2.16% | -69 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 | 0.01% | -0.05% | -0.04% | -0.03% | -0.03% | 0.00% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.23% | 1.24% | 1.19% | 1.21% | 1.29% | 1.25% | 0.00% | 0.00% | -121 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 | 11.00% | 10.83% | 11.04% | 11.21% | 9.28% | 10.35% | 11.15% | +11 bps | |
| Total Risk-Based Capital | 13.23% | 13.78% | 13.25% | 13.68% | 14.76% | 12.22% | 13.34% | 14.63% | +95 bps | |
| Equity / Assets | 10.33% | 10.69% | 10.50% | 11.11% | 11.25% | 8.27% | 15.47% | 15.88% | +477 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.26% | 102.60% | 109.20% | 105.11% | 97.01% | 82.25% | 95.69% | 90.40% | -1,470 bps | |
| Liquid Assets / Assets | 4.36% | 3.61% | 3.35% | 3.07% | 8.66% | 8.73% | 7.09% | 11.70% | +863 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |