Spring Grove, MN · Cert 11416
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.11% | -1.05% | -2.04% | -3.27% | -2.54% | -3.80% | -5.62% | -5.04% | -177 bps | |
| Return on Equity | -13.93% | -12.05% | -24.24% | -41.79% | -34.13% | -73.10% | -129.20% | -134.11% | -9,231 bps | |
| Net Interest Margin | 3.88% | 3.75% | 3.36% | 3.25% | 3.30% | 2.58% | 2.34% | 2.37% | -88 bps | |
| Efficiency Ratio | 122.16% | 135.56% | 149.46% | 151.61% | 152.31% | 186.10% | 241% | 215% | +6,303 bps | |
| Non-Interest Burden | 4.89% | 5.33% | 5.36% | 5.27% | 5.39% | 5.26% | 6.25% | 5.87% | +60 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 | 0.45% | 0.23% | 0.48% | 2.70% | 2.07% | 2.91% | 2.75% | 2.20% | -50 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 |