Canton, MN · Cert 16286
FDIC
Q2 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -0.03% | 0.74% | -1.52% | -0.83% | -0.42% | 0.96% | 0.99% | +251 bps | |
| Return on Equity | -3.06% | -0.38% | 8.87% | -18.42% | -9.97% | -5.07% | 10.92% | 10.92% | +2,934 bps | |
| Net Interest Margin | 3.17% | 3.10% | 3.18% | 3.15% | 3.41% | 3.40% | 3.61% | 3.86% | +70 bps | |
| Efficiency Ratio | 92.17% | 89.58% | 78.99% | 93.10% | 89.02% | 85.95% | 76.14% | 76.16% | -1,694 bps | |
| Non-Interest Burden | 2.89% | 2.75% | 2.43% | 2.94% | 3.04% | 2.91% | 2.65% | 2.84% | -10 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 | 1.29% | 0.95% | -0.02% | 3.08% | 2.09% | 1.55% | -0.65% | -0.34% | -342 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 |