Baxter, MN · Cert 18969
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.73% | 0.65% | 0.64% | 0.62% | 0.34% | 0.50% | 0.42% | -22 bps | |
| Return on Equity | 5.51% | 5.22% | 4.68% | 4.62% | 4.48% | 2.43% | 3.52% | 2.95% | -167 bps | |
| Net Interest Margin | 3.96% | 3.66% | 3.47% | 3.51% | 3.72% | 3.73% | 3.80% | 3.86% | +35 bps | |
| Efficiency Ratio | 54.44% | 62.21% | 65.52% | 65.23% | 66.69% | 65.51% | 63.58% | 64.36% | -87 bps | |
| Non-Interest Burden | 2.02% | 2.13% | 2.11% | 2.11% | 2.36% | 2.31% | 2.27% | 2.43% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.25% | 5.71% | 3.74% | 7.40% | 0.66% | -2.08% | -1.31% | -4.95% | -1,235 bps | |
| Loan Growth (YoY) | -1.35% | -2.20% | -6.49% | -5.94% | -7.14% | -8.99% | -6.08% | -6.83% | -89 bps | |
| Deposit Growth (YoY) | 21.95% | 23.97% | 15.52% | 12.66% | 2.39% | -0.01% | 1.25% | -3.32% | -1,598 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 | 0.07% | 0.23% | 0.34% | 0.44% | 0.55% | 1.27% | 1.27% | 1.48% | +104 bps | |
| Allowance / Loans | 1.64% | 1.66% | 1.64% | 1.66% | 1.59% | 1.57% | 1.40% | 1.26% | -41 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 | 11.69% | 11.60% | 11.89% | 12.15% | 12.55% | 12.61% | 12.70% | 12.54% | +39 bps | |
| Equity / Assets | 14.02% | 13.84% | 13.93% | 13.64% | 14.10% | 14.18% | 14.12% | 14.22% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.29% | 94.89% | 93.06% | 88.78% | 87.33% | 86.37% | 86.33% | 85.55% | -323 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.00% | 0.00% | 0.10% | 6.56% | 5.60% | 6.02% | +602 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |