Chaska, MN · Cert 35370
FDIC · 3 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chaska, MN · Cert 35370
FDIC · 3 branches
Q3 2015
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2015 SOD (annual) · 0.1% share · #47 of 154 inst. · $0.2B of $171.1B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.75% | 0.85% | 0.88% | 0.77% | 0.79% | 0.99% | 1.10% | +22 bps | |
| Return on Equity | 7.56% | 5.79% | 6.77% | 7.14% | 6.33% | 7.26% | 9.33% | 10.55% | +340 bps | |
| Net Interest Margin | 3.49% | 3.44% | 3.45% | 3.36% | 3.26% | 3.31% | 3.31% | 3.29% | -7 bps | |
| Efficiency Ratio | 76.76% | 79.96% | 78.25% | 77.13% | 79.07% | 72.02% | 68.81% | 67.28% | -985 bps | |
| Non-Interest Burden | 2.51% | 2.67% | 2.62% | 2.51% | 2.51% | 2.31% | 2.20% | 2.12% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.69% | 7.75% | 16.23% | 22.78% | 14.56% | 22.10% | 14.30% | 12.47% | -1,030 bps | |
| Loan Growth (YoY) | -0.49% | 7.64% | 23.15% | 27.67% | 22.10% | 21.13% | 13.54% | 10.78% | -1,690 bps | |
| Deposit Growth (YoY) | 6.35% | 9.89% | 2.33% | 20.40% | 9.61% | 15.26% | 35.20% | 14.96% | -545 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 | 0.15% | -0.01% | 0.05% | 0.03% | 0.02% | 0.38% | 0.25% | 0.16% | +13 bps | |
| Allowance / Loans | 2.11% | 2.10% | 1.87% | 1.78% | 1.79% | 1.78% | 1.72% | 1.67% | -11 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 | 10.55% | 10.25% | 9.83% | n/a | |
| Total Risk-Based Capital | 20.21% | 20.26% | 18.05% | 17.42% | 16.07% | 15.54% | 15.71% | 15.01% | -241 bps | |
| Equity / Assets | 12.58% | 13.21% | 11.90% | 11.91% | 11.12% | 10.79% | 10.05% | 9.99% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.81% | 72.54% | 83.16% | 77.95% | 77.76% | 76.24% | 69.84% | 75.12% | -283 bps | |
| Liquid Assets / Assets | 22.53% | 17.82% | 15.39% | 10.35% | 10.01% | 9.34% | 9.06% | 8.06% | -229 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |