Canton, MN · Cert 16286
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.63% | 0.74% | -3.81% | 0.63% | 0.87% | 0.96% | 1.02% | +482 bps | |
| Return on Equity | 3.72% | 7.48% | 8.87% | -46.11% | 7.48% | 10.13% | 10.92% | 10.93% | +5,704 bps | |
| Net Interest Margin | 3.21% | 3.15% | 3.18% | 3.12% | 3.61% | 3.35% | 3.61% | 3.93% | +82 bps | |
| Efficiency Ratio | 90.69% | 82.07% | 78.99% | 113.48% | 82.10% | 77.86% | 76.14% | 76.19% | -3,729 bps | |
| Non-Interest Burden | 2.88% | 2.52% | 2.43% | 3.45% | 2.94% | 2.50% | 2.65% | 2.90% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.24% | 4.59% | 9.30% | 2.30% | -4.92% | -8.16% | -12.76% | -10.04% | -1,234 bps | |
| Loan Growth (YoY) | -4.52% | 2.31% | 1.92% | -3.01% | -1.93% | -0.79% | -0.28% | -2.37% | +64 bps | |
| Deposit Growth (YoY) | 1.41% | 5.46% | 9.65% | 2.94% | -4.84% | -8.26% | -13.40% | -11.33% | -1,427 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 | -0.02% | -0.13% | -0.02% | 6.19% | -0.02% | -0.04% | -0.65% | -0.02% | -621 bps | |
| Allowance / Loans | 1.63% | 1.68% | 1.69% | 1.45% | 1.50% | 1.51% | 1.67% | 1.69% | +24 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 | 12.18% | 12.37% | 12.76% | 11.42% | 11.92% | 12.23% | 12.75% | 13.11% | +169 bps | |
| Equity / Assets | 8.59% | 8.25% | 8.42% | 8.08% | 8.68% | 8.47% | 9.17% | 9.47% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.47% | 70.06% | 69.83% | 72.76% | 76.76% | 75.76% | 80.41% | 80.11% | +735 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |