Comfrey, MN · Cert 12197
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.82% | 0.36% | 0.18% | 0.75% | 0.44% | 0.11% | 2.29%1 | +211 bps | |
| Return on Equity | n/a | n/a | 2.75% | 1.38% | 5.48% | 3.09% | 0.77% | 16.86% | +1,549 bps | |
| Net Interest Margin | n/a | 3.22% | 3.49% | 3.18% | 3.21% | 3.13% | 2.98% | 2.50% | -68 bps | |
| Efficiency Ratio | n/a | 87.71% | 82.39% | 88.89% | 66.67% | 77.78% | 90.83% | 81.82% | -707 bps | |
| Non-Interest Burden | n/a | n/a | 2.95% | 2.92% | 2.13% | 2.46% | 2.81% | 2.11% | -81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 7.51% | -5.90% | -3.00% | -10.82% | -10.03% | -3.55% | 4.18% | +718 bps | |
| Loan Growth (YoY) | -1.51% | 2.68% | -4.59% | -7.94% | -17.24% | -17.74% | -18.99% | -13.68% | -574 bps | |
| Deposit Growth (YoY) | 6.82% | 2.88% | -8.16% | -4.36% | -12.87% | -7.59% | -4.10% | 4.46% | +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 | n/a | 1.70% | 0.00% | -1.35% | 0.00% | -1.85% | -2.01% | -6.65% | -530 bps | |
| Allowance / Loans | n/a | 1.42% | 1.47% | 1.98% | 2.08% | 2.55% | 3.18% | 4.99% | +301 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 | n/a | 15.96% | 18.15% | 19.27% | 20.53% | 20.89% | 22.02% | 22.40% | +314 bps | |
| Equity / Assets | n/a | 12.94% | 13.57% | 13.25% | 14.11% | 14.71% | 14.33% | 12.91% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.67% | 60.50% | 59.21% | 51.66% | 51.92% | 53.86% | 50.01% | 42.69% | -897 bps | |
| Liquid Assets / Assets | 0.00% | 0.23% | 0.17% | 0.40% | 0.39% | 0.34% | 7.25% | 38.52% | +3,812 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |