Alexandria, MN · Cert 10207
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Alexandria, MN · Cert 10207
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 | 0.94% | 0.92% | 0.89% | 0.90% | 0.82% | 0.78% | 0.83% | 0.94% | +5 bps | |
| Return on Equity | 6.00% | 5.84% | 5.72% | 5.76% | 5.29% | 5.07% | 5.30% | 5.98% | +22 bps | |
| Net Interest Margin | 3.91% | 3.84% | 3.79% | 3.63% | 3.66% | 3.95% | 3.98% | 4.01% | +38 bps | |
| Efficiency Ratio | 56.68% | 56.52% | 58.69% | 59.12% | 60.97% | 59.41% | 59.44% | 56.96% | -217 bps | |
| Non-Interest Burden | 2.16% | 2.06% | 2.13% | 1.99% | 2.15% | 2.31% | 2.35% | 2.21% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | 3.25% | 2.52% | 4.02% | 3.36% | 0.34% | -4.83% | -5.54% | -956 bps | |
| Loan Growth (YoY) | 0.34% | 2.59% | -4.91% | -9.01% | -7.13% | -6.69% | -5.20% | -2.90% | +611 bps | |
| Deposit Growth (YoY) | -0.04% | 5.14% | 5.66% | 11.29% | 6.92% | 1.07% | -3.70% | -5.58% | -1,687 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 | 0.17% | -0.06% | -0.03% | 0.32% | 0.30% | 0.17% | 0.23% | 0.19% | -13 bps | |
| Allowance / Loans | 1.14% | 1.23% | 1.34% | 1.21% | 1.20% | 1.27% | 1.29% | 1.32% | +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 | 10.92% | 11.05% | 11.56% | 11.77% | 11.74% | 11.90% | 12.39% | 12.81% | +104 bps | |
| Equity / Assets | 15.79% | 15.71% | 15.39% | 15.28% | 15.27% | 15.59% | 16.10% | 16.23% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.63% | 100.43% | 92.69% | 87.83% | 87.41% | 92.72% | 91.25% | 90.32% | +249 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.23% | 0.23% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |