Lucan, MN · Cert 15890
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 0.73% | 0.78% | 1.06% | 0.66% | 0.64% | 0.92% | 0.98% | -8 bps | |
| Return on Equity | 9.41% | 6.61% | 7.15% | 9.48% | 5.96% | 5.95% | 8.56% | 9.06% | -43 bps | |
| Net Interest Margin | 3.45% | 3.02% | 3.06% | 3.14% | 3.23% | 3.06% | 3.20% | 3.16% | +2 bps | |
| Efficiency Ratio | 71.64% | 78.80% | 76.75% | 70.54% | 81.44% | 80.88% | 73.61% | 69.73% | -80 bps | |
| Non-Interest Burden | 2.34% | 2.30% | 2.27% | 2.11% | 2.58% | 2.44% | 2.28% | 2.15% | +4 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 | 0.06% | 0.00% | 0.47% | 0.00% | 0.18% | -0.02% | 0.00% | -0.04% | -4 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 |