Howard Lake, MN · Cert 10206
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | 5.45% | 3.07% | 2.37% | 0.99% | 0.31% | 0.94% | 1.25% | -112 bps | |
| Return on Equity | -2.89% | 57.36% | 31.14% | 23.95% | 10.11% | 3.22% | 9.74% | 12.70% | -1,124 bps | |
| Net Interest Margin | 2.95% | 3.14% | 3.23% | 3.17% | 3.22% | 3.40% | 3.44% | 3.45% | +28 bps | |
| Efficiency Ratio | 72.05% | 49.39% | 55.63% | 58.10% | 63.38% | 58.44% | 59.85% | 58.88% | +79 bps | |
| Non-Interest Burden | 1.99% | 0.89% | 1.27% | 1.46% | 1.74% | 1.72% | 1.81% | 1.85% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | -1.10% | -5.39% | -0.93% | -4.04% | -3.29% | 3.25% | -1.81% | -88 bps | |
| Loan Growth (YoY) | -2.98% | -2.78% | -7.69% | -11.88% | -12.61% | -4.21% | -4.01% | -3.09% | +878 bps | |
| Deposit Growth (YoY) | 0.83% | -4.09% | -6.82% | 0.54% | -3.30% | 1.54% | 6.07% | -0.83% | -136 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 | 0.40% | 2.48% | 1.36% | 1.08% | 2.08% | 0.30% | 0.12% | 0.27% | -81 bps | |
| Allowance / Loans | 2.95% | 1.27% | 1.60% | 1.65% | 2.17% | 2.56% | 2.57% | 2.47% | +82 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 | 12.77% | 15.34% | 15.64% | 15.33% | 14.83% | 14.55% | 15.01% | 15.62% | +29 bps | |
| Equity / Assets | 8.80% | 10.23% | 10.54% | 10.06% | 9.42% | 9.72% | 9.88% | 10.25% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.74% | 82.57% | 82.73% | 76.10% | 74.77% | 77.89% | 74.87% | 74.36% | -174 bps | |
| Liquid Assets / Assets | 5.51% | 6.98% | 6.75% | 12.17% | 9.46% | 6.55% | 10.29% | 9.26% | -291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |