Mankato, MN · Cert 34983
FDIC · 2 branches
Q3 2014
Market Position · Mankato-North Mankato, MN · 2014 SOD (annual) · 0.6% share · #21 of 22 inst. · $0.0B of $2.0B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -1.34% | -3.20% | -2.80% | -2.68% | -1.24% | -0.32% | -0.73% | +207 bps | |
| Return on Equity | -20.07% | -33.46% | -88.86% | -83.94% | -85.25% | -58.51% | -14.94% | -32.79% | +5,114 bps | |
| Net Interest Margin | 4.07% | 3.74% | 3.87% | 3.99% | 4.37% | 3.85% | 3.71% | 3.91% | -8 bps | |
| Efficiency Ratio | 114.40% | 122.81% | 181.40% | 165.53% | 159.98% | 135.74% | 107.19% | 113.81% | -5,172 bps | |
| Non-Interest Burden | 4.89% | 4.92% | 6.98% | 6.78% | 7.23% | 5.57% | 4.16% | 4.73% | -205 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.85% | -8.70% | -9.13% | -18.45% | -24.18% | -19.99% | -17.70% | -19.25% | -80 bps | |
| Loan Growth (YoY) | -10.62% | -14.27% | -19.84% | -15.69% | -17.44% | -18.21% | -19.05% | -21.32% | -563 bps | |
| Deposit Growth (YoY) | -7.40% | -7.21% | -6.92% | -17.08% | -22.74% | -18.40% | -17.53% | -19.53% | -245 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 | 0.32% | -0.02% | 1.26% | 1.46% | 1.39% | 0.80% | 0.40% | 0.25% | -121 bps | |
| Allowance / Loans | 2.56% | 2.77% | 2.37% | 2.13% | 2.00% | 1.75% | 1.98% | 2.23% | +10 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 | 6.66% | 6.51% | 5.01% | 4.49% | 4.04% | 3.95% | 4.39% | 4.57% | +7 bps | |
| Equity / Assets | 4.05% | 3.96% | 2.74% | 2.43% | 2.23% | 2.00% | 2.20% | 2.47% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.03% | 71.28% | 69.03% | 69.81% | 75.91% | 71.45% | 67.76% | 68.26% | -155 bps | |
| Liquid Assets / Assets | 14.82% | 13.22% | 15.38% | 13.49% | 5.82% | 11.38% | 16.19% | 14.98% | +150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |