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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.96% | 1.79% | -3.75% | 0.34% | 0.55% | -141 bps | |
| Return on Equity | 18.39% | 16.58% | -38.87% | 2.93% | 4.39% | -1,400 bps | |
| Net Interest Margin | 3.90% | 3.89% | 3.25% | 1.79% | 2.38% | -151 bps | |
| Efficiency Ratio | 72.77% | 74.79% | 168.90% | 84.79% | 83.28% | +1,051 bps | |
| Non-Interest Burden | 1.93% | 2.12% | 7.21% | 1.38% | 1.72% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.88% | 2.70% | 19.82% | 6.71% | 7.57% | +169 bps | |
| Loan Growth (YoY) | 12.71% | -1.85% | -0.13% | -6.16% | -12.13% | -2,485 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | 0.00% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.04% | 11.21% | 9.28% | 10.35% | 11.15% | +11 bps | |
| Total Risk-Based Capital | 13.68% | 14.76% | 12.22% | 13.34% | 14.63% | +95 bps | |
| Equity / Assets | 11.11% | 11.25% | 8.27% | 15.47% | 15.88% | +477 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.11% | 97.01% | 82.25% | 95.69% | 90.40% | -1,470 bps | |
| Liquid Assets / Assets | 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 |