Hancock, MN · Cert 15448
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hancock, MN · Cert 15448
FDIC
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -2.44% | -1.70% | -3.60% | -5.20% | -9.20% | -7.99% | -6.88% | -329 bps | |
| Return on Equity | 5.56% | -30.89% | -20.68% | -45.30% | -80.72% | -166.29% | -163.95% | -159.37% | -11,406 bps | |
| Net Interest Margin | 3.04% | 2.86% | 2.87% | 2.71% | 1.80% | 2.00% | 2.26% | 2.38% | -33 bps | |
| Efficiency Ratio | 89.86% | 107.60% | 106.83% | 108.72% | 110.81% | 117.41% | 174.49% | 167.22% | +5,850 bps | |
| Non-Interest Burden | 2.68% | 3.12% | 3.11% | 3.01% | 2.06% | 2.48% | 3.76% | 3.92% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.11% | -13.86% | -25.60% | -21.66% | -22.13% | -29.46% | -29.58% | -30.58% | -892 bps | |
| Loan Growth (YoY) | -9.73% | -22.63% | -37.50% | -38.11% | -39.16% | -42.16% | -36.91% | -35.16% | +295 bps | |
| Deposit Growth (YoY) | -9.15% | -14.34% | -27.67% | -22.72% | -20.33% | -27.05% | -25.71% | -28.41% | -569 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 | 0.38% | 3.96% | 6.95% | 5.68% | 4.97% | 19.20% | 21.36% | 17.29% | +1,161 bps | |
| Allowance / Loans | 4.34% | 5.24% | 3.99% | 8.19% | 10.62% | 9.70% | 7.17% | 7.63% | -56 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 | 12.09% | 11.76% | 13.99% | 11.31% | 10.26% | 6.11% | 4.69% | 3.80% | -751 bps | |
| Equity / Assets | 9.38% | 8.33% | 9.29% | 6.74% | 6.11% | 3.33% | 2.36% | 1.61% | -513 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.00% | 90.66% | 80.99% | 73.17% | 74.83% | 71.88% | 68.78% | 66.27% | -690 bps | |
| Liquid Assets / Assets | 10.33% | 12.49% | 17.91% | 19.81% | 19.83% | 13.81% | 16.97% | 16.99% | -282 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |