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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.56% | 0.91% | 0.48% | 0.79% | 1.00% | 1.05% | 1.17% | +70 bps | |
| Return on Equity | 15.65% | 17.61% | 11.22% | 6.23% | 10.46% | 13.05% | 13.60% | 15.00% | +876 bps | |
| Net Interest Margin | 3.43% | 3.43% | 3.34% | 3.37% | 3.23% | 3.25% | 3.17% | 3.00% | -37 bps | |
| Efficiency Ratio | 71.01% | 71.69% | 75.52% | 82.92% | 77.76% | 74.51% | 79.90% | 87.40% | +448 bps | |
| Non-Interest Burden | 2.11% | 2.18% | 2.34% | 2.76% | 2.45% | 2.28% | 2.40% | 2.53% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.61% | 9.89% | 14.62% | 16.45% | 15.05% | 12.81% | 5.52% | -1.89% | -1,835 bps | |
| Loan Growth (YoY) | 5.41% | 5.56% | 2.08% | 10.29% | 9.34% | 9.49% | 11.83% | 5.75% | -453 bps | |
| Deposit Growth (YoY) | 8.80% | 9.10% | 9.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.20% | 0.16% | 0.23% | 0.29% | 0.06% | -0.14% | -0.02% | -25 bps | |
| Allowance / Loans | 1.53% | 1.45% | 1.47% | 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 | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.08% | 13.19% | 13.33% | 12.45% | 12.53% | 12.50% | 12.56% | 12.32% | -13 bps | |
| Equity / Assets | 9.22% | 8.46% | 7.87% | 7.48% | 7.55% | 7.74% | 7.72% | 7.95% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.99% | 74.93% | 72.76% | 74.12% | 73.57% | 75.75% | 75.15% | 78.14% | +402 bps | |
| Liquid Assets / Assets | 0.50% | 0.66% | 3.37% | 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 | n/a | n/a | n/a |