Heron Lake, MN · Cert 17225
FDIC
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.18% | -3.10% | -2.08% | -1.64% | 0.05% | -0.04% | 0.31% | +239 bps | |
| Return on Equity | 6.66% | 1.62% | -29.51% | -20.02% | -15.77% | 0.47% | -0.34% | 2.90% | +2,292 bps | |
| Net Interest Margin | 3.92% | 3.58% | 3.58% | 3.56% | 3.66% | 3.16% | 1.14% | 1.83% | -173 bps | |
| Efficiency Ratio | 83.00% | 94.78% | 184.12% | 231% | 179.35% | 98.57% | 102.96% | 74.41% | -15,609 bps | |
| Non-Interest Burden | 3.20% | 3.38% | 6.79% | 5.72% | 5.42% | 3.12% | 1.18% | 1.53% | -420 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.39% | 5.86% | 1.05% | -6.00% | -6.62% | -10.47% | -4.68% | 0.30% | +630 bps | |
| Loan Growth (YoY) | -7.44% | -10.28% | 0.76% | -2.78% | 0.54% | 0.21% | -3.82% | 13.97% | +1,675 bps | |
| Deposit Growth (YoY) | 5.02% | 5.22% | 2.27% | -6.16% | -6.63% | -9.84% | -6.14% | -1.38% | +478 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 | -0.04% | -0.04% | -0.02% | -0.04% | -0.04% | -0.02% | 0.00% | 0.00% | +4 bps | |
| Allowance / Loans | 1.83% | 1.87% | 1.69% | 1.86% | 1.87% | 1.91% | 0.00% | 0.00% | -186 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 | 14.75% | 15.05% | 12.15% | 13.21% | 13.27% | 13.05% | 12.64% | 12.26% | -94 bps | |
| Equity / Assets | 11.27% | 10.65% | 9.56% | 9.99% | 10.44% | 10.21% | 11.10% | 11.41% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.52% | 59.60% | 67.94% | 65.84% | 69.48% | 66.25% | 69.62% | 76.09% | +1,025 bps | |
| Liquid Assets / Assets | 9.29% | 8.07% | 5.64% | 5.86% | 6.18% | 7.56% | 6.13% | 6.03% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |