Alexandria, MN · Cert 10207
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.92% | 0.87% | 0.89% | 0.59% | 0.78% | 0.88% | 1.19% | +29 bps | |
| Return on Equity | 6.41% | 5.84% | 5.60% | 5.84% | 3.88% | 5.07% | 5.54% | 7.34% | +150 bps | |
| Net Interest Margin | 3.87% | 3.84% | 3.82% | 3.51% | 3.69% | 3.95% | 3.93% | 3.96% | +45 bps | |
| Efficiency Ratio | 51.93% | 56.52% | 60.85% | 59.92% | 67.48% | 59.41% | 59.46% | 52.29% | -763 bps | |
| Non-Interest Burden | 1.95% | 2.06% | 2.24% | 1.82% | 2.60% | 2.31% | 2.35% | 1.88% | +6 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 | 0.47% | -0.06% | 0.00% | 1.03% | 0.25% | 0.17% | 0.29% | 0.10% | -93 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 |