Albert Lea, MN · Charter 63669
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 | -0.62% | -0.07% | -0.23% | 0.19% | -0.40% | 0.04% | -0.15% | -0.22% | -41 bps | |
| Return on Equity | -2.37% | -0.26% | -0.82% | 0.65% | -1.47% | 0.15% | -0.56% | -0.81% | -146 bps | |
| Net Interest Margin | 2.63% | 2.86% | 2.74% | 2.82% | 2.61% | 2.41% | 2.20% | 2.29% | -53 bps | |
| Efficiency Ratio | 122.26% | 102.22% | 107.66% | 93.83% | 114.22% | 98.38% | 106.49% | 109.24% | +1,541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.84% | -4.93% | -9.30% | -11.72% | -5.20% | -0.32% | 2.23% | 3.80% | +1,553 bps | |
| Loan Growth (YoY) | 3.11% | -8.58% | -12.84% | -18.86% | -17.71% | -13.84% | -16.01% | -15.13% | +373 bps | |
| Share Growth (YoY) | 6.18% | -5.45% | -11.44% | -15.03% | -6.55% | -0.60% | 2.88% | 5.62% | +2,065 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.18% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.19% | 0.21% | 0.22% | 0.23% | 0.24% | 0.25% | 0.26% | 0.27% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.93% | 26.39% | 27.65% | 28.54% | 26.99% | 26.28% | 26.88% | 27.26% | -128 bps | |
| Net Worth / Assets | 25.93% | 26.39% | 27.65% | 28.54% | 26.99% | 26.28% | 26.88% | 27.26% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.26% | 67.88% | 69.40% | 70.19% | 63.63% | 58.84% | 56.65% | 56.40% | -1,379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |