North Mankato, MN · Cert 18845
FDIC
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.73% | 1.57% | 1.69% | 1.51% | 1.33% | 1.32% | 0.14% | -155 bps | |
| Return on Equity | 13.91% | 13.75% | 12.44% | 13.35% | 11.90% | 10.41% | 10.32% | 1.14% | -1,221 bps | |
| Net Interest Margin | 3.53% | 3.54% | 3.56% | 3.57% | 3.62% | 3.47% | 3.40% | 3.17% | -40 bps | |
| Efficiency Ratio | 57.64% | 57.59% | 57.80% | 61.30% | 65.10% | 67.42% | 66.08% | 74.23% | +1,293 bps | |
| Non-Interest Burden | 1.68% | 1.70% | 1.71% | 1.85% | 2.04% | 2.06% | 1.95% | 2.16% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | 3.54% | -1.83% | -2.81% | -1.37% | 19.61% | 19.11% | 19.03% | +2,184 bps | |
| Loan Growth (YoY) | 9.97% | 15.98% | 17.99% | 16.80% | 11.00% | 13.63% | -2.08% | -0.55% | -1,735 bps | |
| Deposit Growth (YoY) | 9.31% | 4.80% | -1.75% | -4.43% | -1.49% | 19.63% | 20.80% | 20.45% | +2,487 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 | 0.00% | 0.01% | 0.03% | 0.00% | 0.01% | 0.11% | 0.24% | 2.18% | +217 bps | |
| Allowance / Loans | 0.98% | 0.97% | 1.18% | 1.23% | 1.22% | 1.55% | 1.70% | 1.60% | +38 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 | 11.27% | 11.21% | 11.34% | 10.49% | 10.68% | 11.75% | 13.21% | 12.34% | +184 bps | |
| Equity / Assets | 12.49% | 12.90% | 12.91% | 12.42% | 12.62% | 13.02% | 12.90% | 12.52% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.82% | 78.85% | 81.41% | 80.06% | 79.80% | 74.89% | 66.00% | 66.10% | -1,396 bps | |
| Liquid Assets / Assets | 0.09% | 0.09% | 0.00% | 0.00% | 0.00% | 0.65% | 0.67% | 1.29% | +129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |