International Falls, MN · Cert 9343
FDIC · 1 branch
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
International Falls, MN · Cert 9343
FDIC · 1 branch
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.88% | 0.89% | 0.99% | 0.91% | 0.98% | 0.93% | 0.91% | -8 bps | |
| Return on Equity | 13.58% | 12.80% | 12.69% | 14.06% | 13.11% | 14.82% | 13.37% | 12.69% | -137 bps | |
| Net Interest Margin | 2.95% | 2.78% | 2.92% | 2.91% | 2.75% | 2.69% | 2.88% | 2.92% | +1 bps | |
| Efficiency Ratio | 61.96% | 64.05% | 64.26% | 64.26% | 65.76% | 65.63% | 66.25% | 66.43% | +217 bps | |
| Non-Interest Burden | 1.54% | 1.55% | 1.63% | 1.61% | 1.58% | 1.52% | 1.65% | 1.69% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 0.96% | -4.75% | -1.68% | -4.30% | 9.93% | -3.35% | -5.17% | -349 bps | |
| Loan Growth (YoY) | 4.11% | 2.30% | -1.70% | -1.52% | -9.10% | -7.74% | -8.14% | -9.36% | -784 bps | |
| Deposit Growth (YoY) | 4.39% | 0.38% | -5.14% | -1.18% | -3.82% | -2.74% | -2.48% | -5.29% | -411 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 | 0.02% | 0.02% | 0.00% | 0.02% | 0.07% | -0.01% | 0.03% | 0.02% | 0 bps | |
| Allowance / Loans | 1.53% | 1.58% | 1.61% | 1.63% | 1.63% | 1.66% | 1.68% | 1.74% | +11 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 | 15.92% | 16.48% | 17.13% | 15.98% | 16.20% | 16.97% | 16.37% | 16.87% | +89 bps | |
| Equity / Assets | 6.67% | 7.03% | 7.36% | 7.07% | 6.78% | 6.40% | 7.93% | 7.78% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.39% | 54.65% | 57.53% | 54.26% | 49.51% | 51.85% | 54.19% | 51.93% | -233 bps | |
| Liquid Assets / Assets | 27.73% | 28.99% | 27.59% | 33.73% | 23.82% | 23.49% | 8.75% | 8.31% | -2,542 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |