PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ing National Trust

Minneapolis, MN · Cert 35579

FDIC

Q2 2014

$6.8MAssets
n/aLoans
n/aDeposits
$6.4MEquity

Executive Summary

  • Earnings: ROA of 2.36%, up 590 bps year over year; NIM at 0.85%.

Return on Assets (YTD, annualized)

2.36%+590 bps YoY

Net Interest Margin (YTD, annualized)

0.85%-15 bps YoY

Efficiency Ratio (YTD, annualized)

91.97%-1,586 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.18%Q2 ’121.00%Q2 ’130.85%Q2 ’14-16%-15%

Non-interest income vs. expense

55.09%Q2 ’1270.36%Q2 ’1336.32%Q2 ’14+298%-138%

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets2.21%3.74%-2.67%-3.54%2.20%10.55%-0.38%2.36%+590 bps
Return on Equity2.74%4.63%-3.24%-4.27%2.66%12.81%-0.44%2.69%+696 bps
Net Interest Margin1.17%1.10%1.11%1.00%0.92%0.79%0.69%0.85%-15 bps
Efficiency Ratio93.00%91.08%106.98%107.83%93.92%78.28%101.07%91.97%-1,586 bps
Non-Interest Burden-2.84%-4.11%5.24%6.11%-2.83%-14.93%1.06%-2.32%-843 bps
Growth
Asset Growth (YoY)9.06%1.87%0.44%-1.56%1.66%12.44%7.30%4.55%+611 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital417%343%352%353%343%275%307%329%-2,422 bps
Equity / Assets79.87%80.97%84.09%83.80%82.02%81.23%89.06%93.91%+1,011 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets63.72%68.29%65.90%68.07%67.74%56.00%37.77%37.00%-3,107 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a