Saint Michael, MN · Cert 35316
FDIC
Q4 2013
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 | 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% | 0.12% | 0.33% | 0.59% | 1.19% | 0.81% | 0.57% | 0.93% | +34 bps | |
| Return on Equity | -3.99% | 2.12% | 5.83% | 10.15% | 19.30% | 13.03% | 9.22% | 14.79% | +464 bps | |
| Net Interest Margin | 4.08% | 4.23% | 3.97% | 3.90% | 3.85% | 3.77% | 3.68% | 3.53% | -37 bps | |
| Efficiency Ratio | 89.09% | 90.98% | 92.17% | 89.04% | 84.93% | 91.51% | 94.48% | 95.52% | +649 bps | |
| Non-Interest Burden | 3.63% | 3.84% | 3.66% | 3.46% | 3.22% | 3.43% | 3.46% | 3.36% | -10 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% | 1.40% | 0.91% | 0.66% | -0.15% | 0.13% | 0.14% | -0.36% | -102 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 |