Lake Benton, MN · Cert 10986
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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.
Lake Benton, MN · Cert 10986
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 0.89% | 1.00% | 2.00% | 1.04% | 1.39% | 1.59% | 2.04% | +4 bps | |
| Return on Equity | 23.36% | 12.60% | 14.18% | 24.96% | 11.78% | 14.76% | 16.41% | 18.29% | -667 bps | |
| Net Interest Margin | 4.75% | 4.60% | 4.82% | 5.11% | 5.25% | 4.89% | 4.46% | 4.76% | -35 bps | |
| Efficiency Ratio | 52.59% | 52.10% | 53.11% | 61.81% | 63.92% | 63.26% | 67.73% | 67.28% | +547 bps | |
| Non-Interest Burden | 2.28% | 2.18% | 2.28% | 3.10% | 3.25% | 2.99% | 2.92% | 2.95% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.87% | -3.97% | -5.94% | -17.94% | -21.62% | -8.72% | 1.81% | 12.77% | +3,071 bps | |
| Loan Growth (YoY) | -1.26% | -5.46% | -7.54% | -12.21% | -12.20% | -10.56% | -12.02% | -8.62% | +359 bps | |
| Deposit Growth (YoY) | -1.53% | -3.58% | -10.36% | -21.01% | -24.06% | -13.33% | 3.70% | 11.30% | +3,231 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 | 1.95% | 1.39% | 1.08% | -0.07% | 0.62% | 0.39% | 0.33% | -0.14% | -8 bps | |
| Allowance / Loans | 1.84% | 2.10% | 2.20% | 2.49% | 2.37% | 2.63% | 2.70% | 2.76% | +27 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 | 11.88% | 12.30% | 13.11% | 15.39% | 15.83% | 16.90% | 17.94% | 18.96% | +358 bps | |
| Equity / Assets | 7.63% | 5.93% | 6.87% | 9.29% | 10.59% | 11.27% | 10.52% | 11.79% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.79% | 58.95% | 63.19% | 66.62% | 66.82% | 60.83% | 53.61% | 54.69% | -1,193 bps | |
| Liquid Assets / Assets | 25.56% | 26.47% | 24.80% | 23.73% | 5.57% | 6.59% | 15.18% | 13.95% | -978 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |