Wayzata, MN · Cert 18903
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 0.87% | 0.99% | 0.96% | 0.72% | 0.73% | 0.50% | 0.37% | -59 bps | |
| Return on Equity | 14.77% | 10.93% | 12.70% | 12.86% | 9.69% | 9.55% | 6.60% | 5.14% | -772 bps | |
| Net Interest Margin | 4.03% | 4.00% | 4.01% | 3.63% | 3.69% | 3.62% | 3.41% | 2.92% | -71 bps | |
| Efficiency Ratio | 59.72% | 62.09% | 60.60% | 58.40% | 58.28% | 61.61% | 68.43% | 62.18% | +378 bps | |
| Non-Interest Burden | 2.12% | 2.24% | 2.17% | 1.71% | 1.89% | 2.02% | 2.20% | 1.65% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.17% | -10.08% | 13.44% | 14.68% | 7.89% | 9.82% | 7.67% | 12.55% | -213 bps | |
| Loan Growth (YoY) | 2.14% | 7.45% | 13.58% | 10.49% | 10.37% | 2.89% | -0.31% | -4.24% | -1,473 bps | |
| Deposit Growth (YoY) | -2.38% | -5.21% | 2.51% | 18.39% | 2.64% | 0.19% | 3.74% | -5.67% | -2,405 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 | 0.28% | 0.00% | 0.51% | 1.19% | 0.58% | 0.14% | 0.61% | 0.44% | -74 bps | |
| Allowance / Loans | 1.39% | 1.48% | 1.33% | 1.14% | 1.16% | 1.30% | 1.32% | 1.49% | +35 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 | 10.91% | 10.71% | 10.38% | 10.47% | 10.68% | 11.40% | 11.28% | 11.83% | +136 bps | |
| Equity / Assets | 7.90% | 8.02% | 7.56% | 7.33% | 7.55% | 7.67% | 7.46% | 6.95% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.71% | 92.26% | 93.37% | 84.24% | 93.24% | 94.75% | 89.72% | 85.51% | +128 bps | |
| Liquid Assets / Assets | 0.19% | 0.14% | 0.12% | 3.78% | 0.34% | 0.21% | 0.23% | 13.57% | +979 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |