Atwater, MN · Cert 1396
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.74% | 1.11% | 0.45% | 0.69% | 0.76% | 0.87% | 0.36% | -9 bps | |
| Return on Equity | 8.63% | 8.53% | 12.75% | 5.01% | 7.76% | 8.42% | 9.48% | 4.02% | -99 bps | |
| Net Interest Margin | 3.71% | 3.57% | 3.83% | 3.69% | 3.47% | 3.51% | 3.55% | 3.20% | -50 bps | |
| Efficiency Ratio | 80.53% | 80.81% | 72.92% | 88.80% | 81.36% | 80.00% | 77.51% | 89.92% | +112 bps | |
| Non-Interest Burden | 2.96% | 2.84% | 2.72% | 3.27% | 2.78% | 2.76% | 2.71% | 2.85% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 9.51% | 6.64% | 7.72% | 8.30% | 0.94% | 5.35% | 6.69% | -103 bps | |
| Loan Growth (YoY) | 2.41% | -2.56% | 0.22% | 2.37% | 1.06% | 4.06% | 5.18% | 7.00% | +464 bps | |
| Deposit Growth (YoY) | 4.05% | 11.63% | 8.09% | 10.91% | 8.45% | 0.24% | 5.38% | 5.82% | -509 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 | 1.43% | 0.10% | 0.04% | -0.03% | -0.03% | 0.11% | -0.01% | 0.70% | +72 bps | |
| Allowance / Loans | 1.59% | 1.55% | 1.51% | 1.50% | 1.55% | 1.46% | 1.43% | 1.22% | -29 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 | 14.40% | 14.44% | 14.62% | 14.71% | 15.63% | 15.51% | 15.40% | 14.87% | +16 bps | |
| Equity / Assets | 8.83% | 8.49% | 8.98% | 8.93% | 8.92% | 9.18% | 9.11% | 8.79% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.36% | 75.72% | 79.32% | 78.55% | 74.89% | 78.60% | 79.17% | 79.42% | +88 bps | |
| Liquid Assets / Assets | 13.58% | 18.11% | 15.59% | 15.47% | 14.70% | 12.79% | 12.98% | 13.39% | -208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |