Spring Grove, MN · Cert 11416
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -1.05% | -3.08% | -5.75% | -0.43% | -3.80% | -7.25% | -3.77% | +197 bps | |
| Return on Equity | -8.54% | -12.05% | -36.92% | -82.23% | -7.04% | -73.10% | -201% | -161.78% | -7,955 bps | |
| Net Interest Margin | 3.07% | 3.75% | 3.00% | 3.19% | 3.31% | 2.58% | 2.34% | 2.16% | -103 bps | |
| Efficiency Ratio | 145.45% | 135.56% | 166.16% | 155.91% | 154.40% | 186.10% | 297% | 168.28% | +1,238 bps | |
| Non-Interest Burden | 4.80% | 5.33% | 5.43% | 5.39% | 5.49% | 5.26% | 7.74% | 4.41% | -98 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.97% | -26.09% | -13.41% | -12.13% | 1.74% | 20.29% | 16.67% | 3.62% | +1,575 bps | |
| Loan Growth (YoY) | -13.50% | -13.68% | -11.34% | -9.37% | -6.60% | -10.21% | -11.25% | -13.04% | -368 bps | |
| Deposit Growth (YoY) | -16.63% | -27.25% | -13.19% | -10.68% | 4.64% | 26.33% | 23.28% | 8.15% | +1,883 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 | -0.11% | 0.23% | 0.73% | 7.11% | -0.02% | 2.91% | 2.56% | 0.85% | -627 bps | |
| Allowance / Loans | 2.56% | 2.59% | 3.13% | 3.30% | 3.64% | 3.96% | 4.40% | 5.02% | +172 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 | 10.97% | 11.09% | 9.43% | 7.66% | 7.06% | 5.69% | 2.22% | -0.09% | -775 bps | |
| Equity / Assets | 8.56% | 8.79% | 7.92% | 6.10% | 6.01% | 4.46% | 2.72% | 1.92% | -419 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.05% | 86.33% | 84.75% | 76.48% | 74.14% | 61.36% | 61.01% | 61.49% | -1,499 bps | |
| Liquid Assets / Assets | 2.03% | 2.13% | 2.16% | 2.04% | 1.97% | 1.30% | 1.33% | 1.40% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |