Saint Michael, MN · Cert 35316
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | 0.49% | 0.76% | 1.32% | 1.19% | 0.41% | 0.11% | 2.00% | +69 bps | |
| Return on Equity | -3.99% | 8.12% | 12.94% | 22.32% | 19.30% | 6.55% | 1.72% | 31.04% | +872 bps | |
| Net Interest Margin | 4.08% | 4.24% | 3.95% | 3.98% | 3.85% | 3.61% | 3.47% | 3.27% | -71 bps | |
| Efficiency Ratio | 89.09% | 92.88% | 94.56% | 80.91% | 84.93% | 99.37% | 100.59% | 98.69% | +1,778 bps | |
| Non-Interest Burden | 3.63% | 3.94% | 3.73% | 3.12% | 3.22% | 3.59% | 3.49% | 3.22% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.40% | 1.40% | 7.34% | -2.90% | 9.79% | 4.11% | -1.70% | -1.00% | +190 bps | |
| Loan Growth (YoY) | -7.52% | -7.90% | -5.18% | 0.26% | -3.66% | -4.40% | -4.10% | -13.37% | -1,363 bps | |
| Deposit Growth (YoY) | 2.72% | 0.98% | 7.71% | -3.68% | 9.56% | 2.56% | -2.74% | -2.19% | +149 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 | 3.10% | -0.28% | -0.08% | 0.02% | -0.15% | 0.41% | 0.15% | -1.89% | -191 bps | |
| Allowance / Loans | 3.07% | 3.05% | 3.06% | 2.72% | 2.75% | 2.48% | 2.38% | 2.06% | -66 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 | 10.10% | 10.23% | 10.71% | 10.81% | 12.12% | 12.32% | 11.57% | 12.84% | +202 bps | |
| Equity / Assets | 5.89% | 6.09% | 5.74% | 6.05% | 6.25% | 6.26% | 6.22% | 6.69% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.69% | 67.55% | 61.07% | 65.62% | 59.53% | 62.97% | 60.22% | 58.12% | -750 bps | |
| Liquid Assets / Assets | 14.51% | 13.74% | 18.82% | 16.81% | 24.07% | 21.85% | 24.51% | 26.37% | +957 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |