Saint Stephen, MN · Cert 17522
FDIC
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.23% | -0.47% | -2.15% | -4.16% | -5.46% | -9.14% | -11.79% | -965 bps | |
| Return on Equity | -0.75% | -2.72% | -5.79% | -28.02% | -70.99% | -99.71% | -212% | -438% | -41,048 bps | |
| Net Interest Margin | 4.52% | 4.33% | 4.24% | 4.07% | 3.19% | 3.43% | 3.86% | 3.57% | -50 bps | |
| Efficiency Ratio | 97.94% | 100.64% | 105.05% | 108.67% | 154.13% | 129.68% | 144.02% | 160.19% | +5,152 bps | |
| Non-Interest Burden | 4.39% | 4.36% | 4.52% | 4.53% | 5.35% | 4.91% | 6.16% | 6.46% | +193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.83% | 19.73% | 28.68% | 4.20% | -8.19% | -17.42% | -29.69% | -29.96% | -3,416 bps | |
| Loan Growth (YoY) | 26.62% | 30.56% | 8.62% | -8.55% | -16.50% | -18.46% | -21.09% | -20.56% | -1,202 bps | |
| Deposit Growth (YoY) | 26.37% | 18.81% | 32.37% | 7.20% | -5.68% | -15.01% | -27.68% | -21.10% | -2,830 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 | 0.16% | 0.01% | 0.11% | 0.74% | 2.31% | 1.49% | 1.91% | 3.16% | +242 bps | |
| Allowance / Loans | 1.07% | 1.13% | 1.16% | 2.64% | 2.94% | 4.60% | 8.57% | 12.75% | +1,011 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 | 10.22% | 10.00% | 9.99% | 8.85% | 8.23% | 6.35% | 0.46% | -6.61% | -1,546 bps | |
| Equity / Assets | 8.25% | 8.36% | 7.29% | 6.06% | 5.62% | 4.56% | 0.20% | -5.32% | -1,138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.35% | 100.80% | 84.31% | 82.28% | 84.42% | 96.70% | 91.98% | 82.84% | +56 bps | |
| Liquid Assets / Assets | 2.66% | 2.73% | 2.43% | 4.30% | 4.76% | 5.42% | 2.64% | 2.84% | -145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |