Minneapolis, MN · Cert 58236
FDIC · 2 branches
Q3 2016
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2016 SOD (annual) · 0.1% share · #51 of 154 inst. · $0.2B 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 | 1.15% | 1.19% | 1.24% | 1.41% | 1.47% | 1.48% | 1.57% | 1.64% | +23 bps | |
| Return on Equity | 14.69% | 14.98% | 15.04% | 16.81% | 17.44% | 17.33% | 18.45% | 19.76% | +296 bps | |
| Net Interest Margin | 3.63% | 3.86% | 3.90% | 3.99% | 3.76% | 3.94% | 4.02% | 3.98% | -1 bps | |
| Efficiency Ratio | 63.91% | 61.69% | 59.84% | 57.97% | 58.13% | 64.63% | 61.14% | 61.48% | +351 bps | |
| Non-Interest Burden | 2.21% | 2.28% | 2.26% | 2.24% | 2.11% | 2.49% | 2.36% | 2.38% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.98% | 28.86% | 24.01% | 19.46% | 15.36% | 10.87% | 12.24% | 22.31% | +284 bps | |
| Loan Growth (YoY) | 23.31% | 31.80% | 30.66% | 27.53% | 20.60% | 15.84% | 14.67% | 16.65% | -1,088 bps | |
| Deposit Growth (YoY) | 18.89% | 25.92% | 23.52% | 18.16% | 13.99% | 4.01% | -1.34% | 18.84% | +68 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 | 0.00% | 0.00% | 0.00% | 0.31% | 0.22% | -0.01% | -0.03% | -0.02% | -33 bps | |
| Allowance / Loans | 1.27% | 1.28% | 1.33% | 1.21% | 1.17% | 1.16% | 1.13% | 1.09% | -11 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 | 8.60% | 8.85% | 8.89% | 8.71% | 8.55% | 8.65% | 8.85% | -4 bps | |
| Total Risk-Based Capital | 10.43% | 10.53% | 10.91% | 11.28% | 11.42% | 10.77% | 10.65% | 10.89% | -39 bps | |
| Equity / Assets | 7.55% | 8.39% | 8.76% | 8.71% | 8.59% | 8.49% | 8.46% | 7.67% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.53% | 93.13% | 95.48% | 90.71% | 89.43% | 103.73% | 110.97% | 89.04% | -166 bps | |
| Liquid Assets / Assets | 15.11% | 9.95% | 6.80% | 10.77% | 12.58% | 9.28% | 8.61% | 16.92% | +615 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |