Kelliher, MN · Cert 16633
FDIC
Q4 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.01% | 0.21% | -0.07% | -0.80% | -0.35% | -0.31% | -0.02% | +5 bps | |
| Return on Equity | -2.10% | -0.13% | 2.08% | -0.72% | -8.54% | -3.74% | -3.30% | -0.20% | +52 bps | |
| Net Interest Margin | 3.78% | 3.93% | 3.84% | 3.78% | 3.29% | 3.28% | 3.30% | 3.29% | -49 bps | |
| Efficiency Ratio | 90.59% | 93.27% | 91.44% | 95.94% | 109.03% | 100.67% | 101.13% | 97.64% | +170 bps | |
| Non-Interest Burden | 3.36% | 3.62% | 3.46% | 3.61% | 3.62% | 3.31% | 3.34% | 3.20% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.34% | -1.40% | -3.72% | 3.03% | 7.42% | 4.53% | 4.52% | -1.60% | -463 bps | |
| Loan Growth (YoY) | -1.64% | 3.25% | -8.68% | -8.44% | -9.15% | -6.96% | 1.24% | 2.79% | +1,123 bps | |
| Deposit Growth (YoY) | -11.42% | -5.46% | -6.33% | 7.93% | 1.29% | 1.85% | 0.18% | -1.58% | -950 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 | 1.69% | 0.81% | 0.55% | 0.75% | 1.07% | 0.55% | 0.33% | 0.22% | -53 bps | |
| Allowance / Loans | 1.24% | 1.26% | 1.39% | 1.24% | 1.25% | 1.36% | 1.38% | 1.43% | +19 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 | 16.12% | 15.56% | 16.03% | 15.18% | 15.60% | 16.19% | 15.11% | 15.58% | +39 bps | |
| Equity / Assets | 10.20% | 9.91% | 10.18% | 9.65% | 9.20% | 9.28% | 9.31% | 9.67% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.90% | 84.93% | 80.19% | 80.57% | 74.36% | 77.59% | 81.03% | 84.15% | +358 bps | |
| Liquid Assets / Assets | 5.46% | 5.30% | 5.96% | 5.85% | 6.45% | 6.61% | 6.66% | 6.87% | +102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |