Dent, MN · Cert 1910
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | 0.03%1 | 0.22% | -0.31% | -0.60% | -0.48% | -0.36% | 0.30% | +62 bps | |
| Return on Equity | -4.14% | 0.34% | 2.77% | -4.05% | -7.70% | -6.20% | -4.69% | 3.87% | +792 bps | |
| Net Interest Margin | 3.96% | 3.93% | 3.76% | 3.91% | 3.92% | 3.85% | 3.77% | 3.57% | -35 bps | |
| Efficiency Ratio | 85.02% | 84.41% | 83.95% | 88.15% | 91.34% | 92.29% | 94.26% | 100.95% | +1,280 bps | |
| Non-Interest Burden | 3.26% | 3.21% | 3.06% | 3.39% | 3.54% | 3.51% | 3.53% | 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 | 0.66% | 0.53% | 0.56% | 0.49% | 1.27% | 1.20% | 0.87% | 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 |