Lucan, MN · Cert 15890
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Lucan, MN · Cert 15890
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.73% | 0.76% | 0.86% | 0.81% | 0.64% | 0.78% | 0.85% | -1 bps | |
| Return on Equity | 6.80% | 6.61% | 6.86% | 7.74% | 7.32% | 5.95% | 7.24% | 7.87% | +13 bps | |
| Net Interest Margin | 3.26% | 3.02% | 3.05% | 3.03% | 3.06% | 3.06% | 3.13% | 3.09% | +6 bps | |
| Efficiency Ratio | 75.53% | 78.80% | 77.78% | 75.26% | 76.85% | 80.88% | 77.12% | 74.62% | -63 bps | |
| Non-Interest Burden | 2.36% | 2.30% | 2.30% | 2.19% | 2.28% | 2.44% | 2.37% | 2.25% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.50% | 8.68% | 6.54% | 10.63% | 5.85% | 2.75% | 8.10% | 8.35% | -228 bps | |
| Loan Growth (YoY) | 4.38% | 7.87% | 3.44% | 4.40% | 0.23% | 0.12% | 1.98% | -0.98% | -538 bps | |
| Deposit Growth (YoY) | 11.12% | 9.45% | 6.95% | 12.00% | 6.72% | 3.31% | 8.92% | 9.09% | -291 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 | 0.05% | 0.00% | 0.23% | 0.15% | 0.15% | -0.02% | -0.01% | -0.02% | -17 bps | |
| Allowance / Loans | 1.28% | 1.37% | 1.30% | 1.25% | 1.13% | 1.21% | 1.23% | 1.24% | -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 | 16.56% | 16.91% | 17.57% | 16.85% | 16.75% | 17.30% | 17.63% | 17.70% | +85 bps | |
| Equity / Assets | 11.49% | 10.63% | 11.31% | 11.11% | 10.89% | 10.55% | 10.89% | 10.80% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.49% | 61.28% | 62.16% | 61.70% | 66.21% | 59.38% | 58.20% | 56.00% | -569 bps | |
| Liquid Assets / Assets | 8.24% | 6.17% | 6.38% | 7.44% | 8.14% | 7.30% | 6.67% | 4.82% | -262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |