North Saint Paul, MN · Cert 13810
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 | 0.60% | 0.61% | 0.63% | 0.47% | 0.14% | 0.19% | 0.17%1 | 0.21%1 | -26 bps | |
| Return on Equity | 6.76% | 6.85% | 7.15% | 5.32% | 1.60% | 2.22% | 2.04% | 2.47% | -285 bps | |
| Net Interest Margin | 4.28% | 3.89% | 3.87% | 3.82% | 3.79% | 3.49% | 3.50% | 3.37% | -45 bps | |
| Efficiency Ratio | 73.98% | 75.72% | 72.69% | 72.05% | 74.18% | 84.36% | 92.93% | 88.44% | +1,639 bps | |
| Non-Interest Burden | 2.97% | 2.70% | 2.56% | 2.46% | 2.57% | 2.86% | 3.23% | 2.92% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.35% | -2.48% | 5.05% | 2.42% | -0.58% | -2.49% | -5.23% | 3.14% | +71 bps | |
| Loan Growth (YoY) | 3.41% | 12.69% | 10.59% | 5.66% | -1.79% | -5.79% | -8.07% | -5.89% | -1,156 bps | |
| Deposit Growth (YoY) | -7.04% | -7.74% | -1.10% | -2.12% | -1.03% | -5.05% | -6.25% | 1.12% | +324 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 | 0.41% | 1.23% | 0.78% | 0.76% | 1.11% | 1.71% | 1.18% | 1.06% | +30 bps | |
| Allowance / Loans | 1.59% | 1.33% | 1.36% | 1.70% | 1.98% | 1.71% | 1.67% | 1.68% | -1 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 | 11.48% | 11.13% | 11.02% | 11.39% | 11.23% | 11.49% | 11.64% | 11.64% | +25 bps | |
| Equity / Assets | 8.91% | 8.92% | 8.63% | 8.78% | 8.33% | 8.50% | 8.55% | 8.35% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.57% | 103.27% | 103.50% | 100.59% | 99.80% | 102.46% | 101.49% | 93.61% | -698 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.25% | 0.06% | 0.92% | 0.04% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |