Maplewood, MN · Cert 58552
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Maplewood, MN · Cert 58552
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 2.43% | 1.42% | 1.68% | 2.00% | 1.91% | 1.93% | 2.27% | +59 bps | |
| Return on Equity | 8.90% | 14.95% | 8.70% | 10.24% | 11.87% | 10.60% | 10.88% | 12.93% | +269 bps | |
| Net Interest Margin | 3.98% | 5.56% | 4.93% | 4.86% | 4.46% | 4.49% | 4.43% | 4.37% | -49 bps | |
| Efficiency Ratio | 58.51% | 42.76% | 47.27% | 44.56% | 42.98% | 50.39% | 54.29% | 51.64% | +708 bps | |
| Non-Interest Burden | 2.30% | 2.34% | 2.23% | 1.99% | 1.45% | 1.92% | 2.16% | 1.93% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.92% | -6.55% | -2.77% | 1.30% | -2.22% | 3.24% | 0.99% | 4.08% | +279 bps | |
| Loan Growth (YoY) | -1.82% | 0.00% | -0.57% | 8.94% | 6.92% | 2.54% | 5.30% | 3.58% | -536 bps | |
| Deposit Growth (YoY) | -18.17% | -10.95% | -6.00% | -3.10% | -5.71% | 2.46% | -0.03% | 6.27% | +938 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 | 0.79% | 2.22% | 2.10% | 1.33% | 1.02% | 0.00% | 0.00% | 0.00% | -133 bps | |
| Allowance / Loans | 1.76% | 1.42% | 1.52% | 1.80% | 1.95% | 2.19% | 2.12% | 2.04% | +24 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 22.41% | 23.01% | 22.72% | 22.80% | 24.04% | 23.25% | 23.86% | 24.03% | +123 bps | |
| Equity / Assets | 15.63% | 16.88% | 16.45% | 16.79% | 18.36% | 17.63% | 17.33% | 17.09% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.89% | 92.29% | 88.33% | 93.95% | 97.39% | 92.36% | 93.03% | 91.57% | -238 bps | |
| Liquid Assets / Assets | 14.62% | 10.38% | 10.48% | 3.54% | 7.21% | 9.50% | 6.97% | 9.08% | +553 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |