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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.67% | 1.79% | 2.40% | 1.28% | -3.75% | 4.28% | 0.99% | -141 bps | |
| Return on Equity | 11.76% | 15.92% | 16.87% | 22.25% | 11.45% | -38.87% | 36.60% | 6.33% | -1,592 bps | |
| Net Interest Margin | 4.11% | 3.97% | 3.95% | 4.03% | 4.05% | 3.25% | 0.49% | 3.41% | -62 bps | |
| Efficiency Ratio | 81.51% | 77.00% | 73.75% | 67.84% | 81.16% | 168.90% | 87.34% | 81.96% | +1,412 bps | |
| Non-Interest Burden | 2.89% | 2.23% | 2.11% | 1.60% | 2.77% | 7.21% | -3.77% | 2.26% | +66 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 | -0.02% | -0.05% | -0.03% | -0.02% | -0.02% | 0.00% | 0.00% | 0.00% | +2 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 |