Coon Rapids, MN · Cert 57596
FDIC · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Coon Rapids, MN · Cert 57596
FDIC · 1 branch
Q3 2016
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2016 SOD (annual) · 0.0% share · #100 of 154 inst. · $0.1B of $179.0B
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.37% | 0.20% | 0.15% | 0.16% | 0.56% | 0.61% | -0.16% | -31 bps | |
| Return on Equity | 3.96% | 3.65% | 1.93% | 1.49% | 1.53% | 5.00% | 5.23% | -1.35% | -284 bps | |
| Net Interest Margin | 2.72% | 0.93% | 1.54% | 1.75% | 1.94% | 2.42% | 2.47% | 2.42% | +66 bps | |
| Efficiency Ratio | 80.42% | 62.77% | 81.71% | 83.64% | 79.48% | 72.97% | 71.08% | 100.97% | +1,733 bps | |
| Non-Interest Burden | 2.16% | 0.55% | 1.31% | 1.53% | 1.61% | 1.85% | 1.85% | 2.56% | +102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.04% | 9.77% | 9.73% | 10.62% | 5.25% | -1.71% | -6.24% | -4.10% | -1,472 bps | |
| Loan Growth (YoY) | -11.39% | -17.59% | 0.05% | -0.98% | 26.76% | 36.74% | 15.81% | 12.05% | +1,303 bps | |
| Deposit Growth (YoY) | 13.10% | 15.52% | 13.81% | 8.56% | 5.14% | -2.42% | -6.48% | -0.84% | -939 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 | -0.04% | 0.28% | 0.08% | 0.03% | 0.00% | -0.04% | -0.05% | -0.06% | -9 bps | |
| Allowance / Loans | 2.48% | 0.01% | 0.09% | 0.18% | 0.47% | 0.48% | 0.50% | 0.55% | +37 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 | 9.30% | 10.16% | 10.35% | 10.43% | 10.41% | 10.79% | 10.41% | +6 bps | |
| Total Risk-Based Capital | 19.90% | 20.35% | 20.24% | 20.70% | 18.24% | 18.11% | 18.97% | 19.06% | -164 bps | |
| Equity / Assets | 9.45% | 10.79% | 10.16% | 10.95% | 10.98% | 11.29% | 12.47% | 12.03% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.26% | 41.93% | 49.42% | 49.51% | 60.59% | 58.76% | 61.21% | 55.95% | +644 bps | |
| Liquid Assets / Assets | 1.92% | 1.50% | 1.48% | 1.64% | 1.84% | 1.33% | 1.54% | 1.52% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |