Alexandria, MN · Cert 57210
FDIC · 1 branch
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.00% | 1.43% | 1.27% | 0.89% | +48 bps | |
| Return on Equity | 4.30% | 0.00% | 14.01% | 12.18% | 7.87% | +357 bps | |
| Net Interest Margin | 3.32% | 0.00% | 1.24% | 1.90% | 3.91% | +59 bps | |
| Efficiency Ratio | 88.51% | n/a | 43.68% | 56.10% | 70.02% | -1,849 bps | |
| Non-Interest Burden | 2.90% | 0.00% | -0.12% | 0.69% | 2.72% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.56% | 7.30% | 6.33% | 8.50% | 4.62% | +206 bps | |
| Loan Growth (YoY) | 20.43% | 17.68% | 12.10% | 13.67% | 10.32% | -1,011 bps | |
| Deposit Growth (YoY) | 3.57% | 6.97% | 7.32% | 6.83% | -1.77% | -534 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | -10 bps | |
| Allowance / Loans | 1.40% | 0.00% | 0.00% | 0.00% | 0.00% | -140 bps | |
| 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 | 10.85% | n/a | n/a |
| Total Risk-Based Capital | 15.64% | 14.69% | 13.89% | 13.95% | 14.60% | -104 bps | |
| Equity / Assets | 9.73% | 10.63% | 10.72% | 11.11% | 11.61% | +188 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.74% | 72.83% | 73.07% | 75.19% | 80.57% | +883 bps | |
| Liquid Assets / Assets | 9.37% | 5.62% | 4.83% | 4.17% | 3.87% | -549 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |