Minneapolis, MN · Cert 35579
FDIC
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.46% | 13.63% | 33.80% | -0.38% | 5.31% | +977 bps | |
| Return on Equity | -5.31% | 16.44% | 41.42% | -0.44% | 5.80% | +1,112 bps | |
| Net Interest Margin | 0.81% | 0.88% | 0.55% | 0.69% | 0.94% | +13 bps | |
| Efficiency Ratio | 108.64% | 66.09% | 54.96% | 101.07% | 83.33% | -2,530 bps | |
| Non-Interest Burden | 6.61% | -20.01% | -51.78% | 1.06% | -5.81% | -1,242 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.56% | 1.66% | 12.44% | 7.30% | 4.55% | +611 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 353% | 343% | 275% | 307% | 329% | -2,422 bps | |
| Equity / Assets | 83.80% | 82.02% | 81.23% | 89.06% | 93.91% | +1,011 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 68.07% | 67.74% | 56.00% | 37.77% | 37.00% | -3,107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |