Chisago City, MN · Cert 10216
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.
Chisago City, MN · Cert 10216
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 | -3.90% | -1.90% | -1.90% | -1.71% | -3.23% | -2.67% | -3.81% | -3.27% | -156 bps | |
| Return on Equity | -48.18% | -32.03% | -32.73% | -30.28% | -61.50% | -84.92% | -142.54% | -142.58% | -11,230 bps | |
| Net Interest Margin | 2.79% | 2.64% | 2.81% | 2.79% | 2.91% | 3.07% | 3.05% | 3.17% | +39 bps | |
| Efficiency Ratio | 85.46% | 100.29% | 90.53% | 88.97% | 117.59% | 84.56% | 151.05% | 148.17% | +5,920 bps | |
| Non-Interest Burden | 2.88% | 2.65% | 2.43% | 2.33% | 3.68% | 2.44% | 5.17% | 5.19% | +286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.27% | -14.67% | -12.91% | -8.31% | -11.48% | -7.38% | -7.55% | -8.07% | +24 bps | |
| Loan Growth (YoY) | -12.73% | -14.01% | -16.42% | -14.74% | -12.24% | -11.41% | -9.70% | -11.03% | +371 bps | |
| Deposit Growth (YoY) | 3.00% | -12.64% | -10.25% | -5.92% | -9.93% | -4.48% | -4.04% | -4.17% | +175 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 | 4.33% | 0.82% | 4.09% | 3.23% | 4.22% | 0.35% | 0.92% | 1.10% | -214 bps | |
| Allowance / Loans | 3.44% | 3.97% | 3.29% | 3.70% | 3.21% | 4.32% | 4.12% | 4.09% | +40 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 | 8.48% | 8.10% | 7.74% | 7.47% | 5.16% | 4.44% | 3.00% | 2.13% | -534 bps | |
| Equity / Assets | 6.12% | 5.75% | 5.55% | 5.17% | 3.52% | 2.79% | 1.70% | 1.14% | -404 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.96% | 86.79% | 85.42% | 82.59% | 85.71% | 80.50% | 80.39% | 76.68% | -592 bps | |
| Liquid Assets / Assets | 5.73% | 5.54% | 4.19% | 7.94% | 3.15% | 7.18% | 7.55% | 10.96% | +302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |