Mora, MN · Charter 64798
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.06% | 0.43% | 0.27% | 0.38% | 0.38% | 0.24% | 0.29% | +2 bps | |
| Return on Equity | -1.44% | -0.63% | 4.47% | 2.74% | 3.80% | 3.76% | 2.35% | 2.87% | +13 bps | |
| Net Interest Margin | 3.27% | 3.21% | 2.98% | 3.06% | 3.09% | 3.04% | 2.92% | 2.93% | -12 bps | |
| Efficiency Ratio | 81.45% | 80.79% | 88.46% | 87.51% | 86.37% | 86.86% | 92.16% | 95.90% | +839 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.89% | -0.85% | -0.93% | -2.68% | -1.41% | -0.60% | -1.45% | 0.06% | +274 bps | |
| Loan Growth (YoY) | -7.50% | -10.62% | -11.28% | -10.84% | -7.43% | -5.76% | -3.70% | -2.26% | +858 bps | |
| Share Growth (YoY) | -3.90% | -0.63% | -1.02% | -2.90% | -2.73% | -1.06% | -1.89% | 0.51% | +341 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.03% | 3.59% | 3.50% | 4.11% | 3.52% | 2.40% | 2.22% | 2.47% | -164 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 | 3.49% | 3.72% | 3.81% | 3.95% | 3.91% | 3.17% | 3.23% | 3.00% | -95 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.61% | 9.56% | 9.60% | 9.86% | 10.08% | 10.00% | 10.07% | 10.25% | +39 bps | |
| Net Worth / Assets | 9.61% | 9.56% | 9.60% | 9.86% | 10.08% | 10.00% | 10.07% | 10.25% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.52% | 63.53% | 61.36% | 62.51% | 63.30% | 60.51% | 60.23% | 60.79% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |