Moorhead, MN · Charter 64994
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.23% | -0.36% | -0.14% | 0.14% | 0.14% | -0.50% | -2.77% | -263 bps | |
| Return on Equity | 0.70% | 1.36% | -2.33% | -1.08% | 0.94% | 0.97% | -3.74% | -22.36% | -2,128 bps | |
| Net Interest Margin | 2.27% | 2.11% | 1.31% | 1.06% | 1.32% | 1.31% | 1.02% | -1.04% | -210 bps | |
| Efficiency Ratio | 94.57% | 89.08% | 127.36% | 113.67% | 89.49% | 89.25% | 148.78% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.78% | 3.33% | 3.82% | 17.87% | 22.02% | 18.20% | 19.52% | 0.51% | -1,735 bps | |
| Loan Growth (YoY) | -27.81% | -25.40% | -24.68% | -8.11% | 3.03% | 7.82% | 7.46% | -17.15% | -904 bps | |
| Share Growth (YoY) | -7.16% | 3.74% | 4.67% | 21.12% | 26.44% | 21.70% | 22.55% | 1.62% | -1,950 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 26.47% | 22.69% | +2,269 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 | 12.39% | 12.51% | 13.83% | 12.11% | 12.02% | 11.60% | 12.87% | 14.61% | +251 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.76% | 16.91% | 15.43% | 13.36% | 14.78% | 14.45% | 13.29% | 12.41% | -95 bps | |
| Net Worth / Assets | 17.76% | 16.91% | 15.43% | 13.36% | 14.78% | 14.45% | 13.29% | 12.41% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.49% | 19.89% | 16.23% | 15.65% | 17.51% | 17.62% | 14.23% | 12.76% | -289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |