St Cloud, MN · Charter 60984
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.24% | 0.07% | 0.18% | 0.22% | 0.02% | 0.10% | 0.15% | -3 bps | |
| Return on Equity | 0.38% | -2.12% | 0.60% | 1.56% | 1.95% | 0.18% | 0.92% | 1.32% | -24 bps | |
| Net Interest Margin | 2.50% | 2.46% | 2.43% | 2.47% | 2.46% | 2.38% | 2.31% | 2.41% | -6 bps | |
| Efficiency Ratio | 97.67% | 111.35% | 98.41% | 95.39% | 93.52% | 100.78% | 94.86% | 93.89% | -151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.96% | 2.08% | 3.34% | 4.64% | 5.27% | 6.59% | 7.59% | 4.28% | -36 bps | |
| Loan Growth (YoY) | 2.02% | 2.46% | 9.46% | 12.26% | 8.53% | 4.45% | -0.10% | -2.65% | -1,491 bps | |
| Share Growth (YoY) | 3.31% | 3.18% | 3.73% | 5.30% | 5.73% | 6.46% | 8.47% | 4.74% | -55 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.28% | 0.30% | 0.32% | 0.03% | 0.02% | 0.06% | 0.05% | -27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.46% | 0.45% | 0.40% | 0.38% | 0.37% | 0.38% | 0.38% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.67% | 11.36% | 11.27% | 11.35% | 11.31% | 10.93% | 10.70% | 11.08% | -27 bps | |
| Net Worth / Assets | 11.67% | 11.36% | 11.27% | 11.35% | 11.31% | 10.93% | 10.70% | 11.08% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.85% | 50.26% | 52.71% | 54.13% | 53.21% | 49.31% | 48.55% | 50.31% | -382 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |