Edina, MN · Cert 57918
FDIC · 18 branches
Q3 2015
Market Position · Davenport-Moline-Rock Island, IA-IL · 2015 SOD (annual) · 7.1% share · #5 of 38 inst. · $0.5B of $7.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.30% | 1.62% | 1.15% | 1.47% | 1.50% | -280 bps | |
| Return on Equity | 34.59% | 12.27% | 8.76% | 11.06% | 10.85% | -2,374 bps | |
| Net Interest Margin | 4.76% | 4.97% | 4.45% | 5.01% | 4.86% | +11 bps | |
| Efficiency Ratio | 29.31% | 47.17% | 54.69% | 49.67% | 51.39% | +2,209 bps | |
| Non-Interest Burden | -2.90% | 2.06% | 2.25% | 2.32% | 2.34% | +525 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.27% | 11.24% | 12.14% | 1.77% | 6.29% | +302 bps | |
| Loan Growth (YoY) | 16.61% | 15.76% | 18.68% | 8.55% | 5.34% | -1,127 bps | |
| Deposit Growth (YoY) | 2.23% | 10.26% | 11.93% | 4.67% | 6.00% | +377 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.06% | 0.11% | 0.04% | 0.02% | -9 bps | |
| Allowance / Loans | 0.55% | 0.70% | 0.76% | 0.85% | 0.92% | +37 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 | 12.57% | 12.59% | 13.20% | n/a | |
| Total Risk-Based Capital | 14.48% | 15.00% | 15.51% | 15.32% | 16.51% | +203 bps | |
| Equity / Assets | 13.37% | 13.06% | 13.16% | 13.48% | 14.12% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.61% | 83.12% | 84.43% | 90.84% | 88.05% | -55 bps | |
| Liquid Assets / Assets | 0.76% | 5.24% | 5.74% | 1.01% | 2.45% | +169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |