Dent, MN · Cert 1910
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.49% | 0.72% | 0.77% | -0.31% | -0.89% | -0.25% | -0.01% | 0.30% | +62 bps | |
| Return on Equity | -18.96% | 9.23% | 9.89% | -4.05% | -11.39% | -3.22% | -0.17% | 3.87% | +792 bps | |
| Net Interest Margin | 3.99% | 3.98% | 3.75% | 3.91% | 3.91% | 3.87% | 3.72% | 3.57% | -35 bps | |
| Efficiency Ratio | 86.16% | 83.19% | 82.49% | 88.15% | 94.63% | 94.12% | 100.30% | 100.95% | +1,280 bps | |
| Non-Interest Burden | 3.34% | 3.21% | 3.02% | 3.39% | 3.68% | 3.61% | 3.73% | 3.61% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | 3.53% | 2.12% | 2.79% | 0.15% | 1.98% | 0.53% | -0.72% | -352 bps | |
| Loan Growth (YoY) | 2.94% | 1.25% | -1.42% | -1.01% | -3.96% | -3.42% | -7.12% | -7.09% | -609 bps | |
| Deposit Growth (YoY) | 1.27% | 3.49% | 2.18% | 3.15% | 0.06% | 2.31% | 0.77% | -1.04% | -419 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 | 0.18% | 0.25% | 0.67% | 0.49% | 2.04% | 1.09% | -0.29% | 0.00% | -49 bps | |
| Allowance / Loans | 2.03% | 1.99% | 1.83% | 2.05% | 1.97% | 1.88% | 2.03% | 1.94% | -11 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 | 11.78% | 12.06% | 12.34% | 12.76% | 12.30% | 12.25% | 13.24% | 13.32% | +56 bps | |
| Equity / Assets | 7.78% | 7.78% | 7.79% | 7.71% | 7.96% | 7.59% | 7.67% | 7.92% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.30% | 78.25% | 78.01% | 76.41% | 78.03% | 73.87% | 71.91% | 71.73% | -467 bps | |
| Liquid Assets / Assets | 6.03% | 6.47% | 7.77% | 5.86% | 5.71% | 6.83% | 9.85% | 13.99% | +813 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |