Bloomington, MN · Charter 63865
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 | -0.05% | 0.37% | 0.36% | 0.32% | 0.03% | 0.13% | 0.07% | -3.94% | -426 bps | |
| Return on Equity | -0.33% | 2.06% | 2.04% | 1.74% | 0.14% | 0.64% | 0.35% | -20.31% | -2,205 bps | |
| Net Interest Margin | 3.32% | 3.67% | 3.73% | 3.87% | 4.08% | 3.62% | 3.49% | 3.59% | -28 bps | |
| Efficiency Ratio | 101.65% | 90.19% | 90.65% | 91.86% | 99.33% | 96.60% | 98.05% | 208% | +11,648 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.48% | -4.43% | -2.48% | -8.51% | -12.95% | -9.48% | -12.47% | -18.80% | -1,030 bps | |
| Loan Growth (YoY) | 15.10% | 23.27% | 3.45% | -15.80% | -20.29% | -25.45% | -30.40% | -29.73% | -1,393 bps | |
| Share Growth (YoY) | -11.26% | -9.04% | -6.61% | -9.80% | -15.17% | -11.20% | -14.73% | -19.33% | -953 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.18% | 0.00% | 0.10% | 0.00% | 2.05% | +188 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 | 1.98% | 1.96% | 2.08% | 2.32% | 2.49% | 2.64% | 2.99% | 3.30% | +98 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.79% | 18.13% | 17.41% | 18.38% | 19.47% | 19.99% | 19.74% | 19.42% | +104 bps | |
| Net Worth / Assets | 16.79% | 18.13% | 17.41% | 18.38% | 19.47% | 19.99% | 19.74% | 19.42% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.02% | 99.54% | 88.75% | 84.29% | 85.51% | 83.56% | 72.44% | 73.43% | -1,086 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |