Kasson, MN · Cert 8208
FDIC · 13 branches
Q4 2014
Market Position · Rochester, MN · 2014 SOD (annual) · 7.4% share · #4 of 36 inst. · $0.4B of $4.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 0.79% | 0.89% | 0.95% | 1.00% | -8 bps | |
| Return on Equity | 12.75% | 10.46% | 11.75% | 12.40% | 13.06% | +31 bps | |
| Net Interest Margin | 3.10% | 3.23% | 3.23% | 3.21% | 3.15% | +5 bps | |
| Efficiency Ratio | 75.37% | 77.76% | 76.10% | 77.35% | 79.84% | +447 bps | |
| Non-Interest Burden | 2.16% | 2.45% | 2.35% | 2.37% | 2.41% | +25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.45% | 15.05% | 12.81% | 5.52% | -1.89% | -1,835 bps | |
| Loan Growth (YoY) | 10.29% | 9.34% | 9.49% | 11.83% | 5.75% | -453 bps | |
| Deposit Growth (YoY) | 14.54% | 9.97% | 8.31% | 8.27% | 0.31% | -1,423 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.29% | 0.17% | 0.07% | 0.04% | -12 bps | |
| Allowance / Loans | 1.34% | 1.31% | 1.29% | 1.25% | 1.21% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.45% | 12.53% | 12.50% | 12.56% | 12.32% | -13 bps | |
| Equity / Assets | 7.48% | 7.55% | 7.74% | 7.72% | 7.95% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.12% | 73.57% | 75.75% | 75.15% | 78.14% | +402 bps | |
| Liquid Assets / Assets | 1.34% | 3.70% | 3.32% | 9.07% | 5.88% | +454 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |