Minnetonka, MN · Cert 35487
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.04% | 1.40% | 1.67% | 1.89% | 1.95% | 1.76% | -1.42% | -310 bps | |
| Return on Equity | 11.88% | 14.59% | 17.76% | 18.56% | 24.87% | 27.31% | 21.37% | -13.78% | -3,234 bps | |
| Net Interest Margin | 3.99% | 3.90% | 3.86% | 4.01% | 3.66% | 3.62% | 3.55% | -0.54% | -455 bps | |
| Efficiency Ratio | 90.27% | 85.98% | 89.31% | 87.73% | 85.80% | 83.66% | 86.21% | 96.30% | +856 bps | |
| Non-Interest Burden | 2.08% | 1.13% | 1.19% | 0.88% | 0.20% | -0.96% | -0.10% | 2.48% | +160 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.07% | 25.45% | 25.12% | 29.81% | 42.76% | 9.72% | 18.81% | 16.53% | -1,328 bps | |
| Loan Growth (YoY) | -14.65% | 25.48% | 38.96% | 38.10% | 47.99% | 13.16% | 21.87% | 8.34% | -2,977 bps | |
| Deposit Growth (YoY) | -20.53% | 14.71% | 15.13% | 16.99% | 55.54% | 12.45% | 3.58% | 12.61% | -438 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 | 0.12% | 1.10% | 0.00% | 0.03% | 0.55% | 0.00% | 0.22% | -0.23% | -26 bps | |
| Allowance / Loans | 0.88% | 0.73% | 1.04% | 0.98% | 0.57% | 0.87% | 1.17% | 0.02% | -96 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 | 11.95% | 11.79% | 14.63% | 14.05% | 11.75% | 13.24% | 15.06% | 12.90% | -115 bps | |
| Equity / Assets | 7.43% | 6.82% | 9.28% | 8.78% | 6.74% | 7.58% | 9.03% | 11.55% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.34% | 117.20% | 104.55% | 118.37% | 107.84% | 117.94% | 123.01% | 113.87% | -449 bps | |
| Liquid Assets / Assets | 2.42% | 3.35% | 3.40% | 2.53% | 4.05% | 3.10% | 4.07% | 6.48% | +395 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |