Lake Benton, MN · Cert 10986
FDIC
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.69% | -0.85% | 1.34% | 2.00% | 0.04% | 2.15% | 2.18% | 2.04% | +4 bps | |
| Return on Equity | 36.77% | -12.39% | 20.92% | 24.96% | 0.39% | 19.66% | 20.01% | 18.29% | -667 bps | |
| Net Interest Margin | 4.77% | 4.54% | 4.67% | 5.11% | 5.09% | 4.81% | 4.26% | 4.76% | -35 bps | |
| Efficiency Ratio | 55.73% | 51.09% | 55.98% | 61.81% | 66.08% | 61.92% | 81.36% | 67.28% | +547 bps | |
| Non-Interest Burden | 2.49% | 2.11% | 2.20% | 3.10% | 3.22% | 2.86% | 3.38% | 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 | -1.12% | 0.03% | 0.06% | -0.07% | 1.31% | -0.14% | 0.14% | -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 |