Moose Lake, MN · Charter 68635
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.44% | 0.15% | 0.09% | 0.02% | 0.01% | 0.42% | 0.20% | +11 bps | |
| Return on Equity | 5.27% | 4.06% | 1.43% | 0.84% | 0.17% | 0.05% | 4.06% | 1.90% | +106 bps | |
| Net Interest Margin | 3.45% | 3.48% | 3.25% | 3.32% | 3.37% | 3.36% | 3.28% | 3.34% | +1 bps | |
| Efficiency Ratio | 83.56% | 86.77% | 93.27% | 91.79% | 90.84% | 89.37% | 85.46% | 91.28% | -51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 2.25% | 1.40% | 3.83% | 4.25% | 4.26% | +201 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 9.18% | 14.02% | 12.61% | 10.65% | 7.05% | -213 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 1.86% | 0.94% | 4.87% | 4.70% | 4.82% | +297 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.75% | 1.29% | 1.60% | 1.15% | 0.85% | 0.58% | 0.71% | -90 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 | 1.68% | 1.48% | 1.33% | 1.31% | 1.33% | 1.37% | 1.31% | 1.31% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.83% | 10.93% | 10.66% | 10.76% | 10.70% | 10.53% | 10.30% | 10.38% | -38 bps | |
| Net Worth / Assets | 10.83% | 10.93% | 10.66% | 10.76% | 10.70% | 10.53% | 10.30% | 10.38% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.63% | 72.11% | 70.85% | 75.22% | 78.65% | 77.43% | 74.88% | 76.82% | +160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |