Chisago City, MN · Cert 10216
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 | -9.36% | -1.90% | -1.89% | -1.34% | -7.99% | -2.67% | -4.92% | -2.19% | -85 bps | |
| Return on Equity | -130.79% | -32.03% | -33.52% | -25.04% | -182.58% | -84.92% | -218% | -154.66% | -12,962 bps | |
| Net Interest Margin | 2.89% | 2.64% | 2.93% | 2.78% | 2.83% | 3.07% | 2.96% | 3.25% | +48 bps | |
| Efficiency Ratio | 97.87% | 100.29% | 81.47% | 86.21% | 204% | 84.56% | 219% | 142.09% | +5,588 bps | |
| Non-Interest Burden | 5.87% | 2.65% | 2.15% | 2.15% | 7.38% | 2.44% | 7.84% | 4.95% | +280 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 | 7.50% | 0.82% | 7.32% | 1.35% | 6.96% | 0.35% | 1.48% | 1.38% | +3 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 |