Mora, MN · Cert 8220
FDIC · 1 branch
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
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 | 0.39% | 0.55% | 0.98% | 0.63% | 0.67% | 0.63% | 0.65% | -0.15% | -79 bps | |
| Return on Equity | 3.05% | 4.47% | 8.12% | 5.24% | 5.72% | 5.39% | 5.39% | -1.35% | -659 bps | |
| Net Interest Margin | 2.51% | 2.34% | 2.38% | 2.01% | 2.18% | 2.17% | 2.37% | 2.24% | +23 bps | |
| Efficiency Ratio | 77.42% | 78.47% | 66.57% | 74.55% | 74.95% | 68.87% | 73.24% | 107.54% | +3,299 bps | |
| Non-Interest Burden | 1.94% | 1.79% | 1.48% | 1.41% | 1.56% | 1.39% | 1.66% | 2.45% | +104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.02% | 9.38% | 8.81% | 8.15% | 3.91% | 0.02% | -1.95% | -8.47% | -1,662 bps | |
| Loan Growth (YoY) | -15.63% | -14.25% | -13.48% | -11.69% | -5.74% | -2.88% | -1.47% | -6.45% | +524 bps | |
| Deposit Growth (YoY) | 6.25% | 11.33% | 11.39% | 11.16% | 6.91% | 1.02% | -2.15% | -6.40% | -1,756 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 | 0.97% | 0.50% | 0.34% | 0.56% | -0.37% | 2.22% | 0.40% | 4.02% | +346 bps | |
| Allowance / Loans | 2.90% | 2.91% | 2.85% | 2.69% | 2.83% | 2.44% | 2.35% | 1.46% | -123 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 | 28.78% | 29.02% | 29.94% | 30.07% | 29.95% | 30.52% | 31.49% | 24.53% | -554 bps | |
| Equity / Assets | 12.56% | 11.92% | 12.29% | 11.93% | 11.48% | 11.74% | 12.50% | 10.00% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.10% | 35.54% | 35.75% | 35.30% | 34.47% | 34.16% | 36.00% | 35.29% | -2 bps | |
| Liquid Assets / Assets | 3.20% | 2.08% | 1.13% | 1.31% | 2.24% | 1.40% | 1.98% | 1.75% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |