East Grand Forks, MN · Cert 19180
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 | 2.15% | 2.18% | 2.03% | 2.13% | 2.02% | 1.61% | 1.53% | 1.22% | -91 bps | |
| Return on Equity | 18.59% | 19.69% | 18.92% | 19.19% | 18.01% | 14.85% | 14.29% | 11.21% | -798 bps | |
| Net Interest Margin | 4.29% | 4.26% | 3.96% | 4.20% | 4.02% | 3.72% | 3.73% | 3.68% | -52 bps | |
| Efficiency Ratio | 58.49% | 56.81% | 58.19% | 55.34% | 55.52% | 63.85% | 64.76% | 66.28% | +1,094 bps | |
| Non-Interest Burden | 2.09% | 2.01% | 1.88% | 1.83% | 1.70% | 2.05% | 2.06% | 2.09% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 2.37% | 2.26% | 0.18% | 2.26% | 3.63% | 5.01% | 6.24% | +606 bps | |
| Loan Growth (YoY) | 4.87% | 1.40% | 1.65% | 2.56% | 6.13% | 7.61% | 3.49% | -4.23% | -679 bps | |
| Deposit Growth (YoY) | 0.69% | 3.81% | 2.69% | 1.23% | 1.75% | 1.95% | 5.06% | 7.18% | +595 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 | -0.03% | -0.01% | -0.01% | 0.01% | 0.18% | 0.01% | 0.09% | 0.38% | +37 bps | |
| Allowance / Loans | 1.13% | 1.20% | 1.17% | 1.16% | 1.23% | 1.29% | 1.35% | 1.42% | +26 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 | 11.33% | 10.10% | 10.72% | 10.88% | 10.99% | 10.56% | 11.04% | 11.38% | +49 bps | |
| Equity / Assets | 11.43% | 10.69% | 10.82% | 11.36% | 11.03% | 10.70% | 10.70% | 10.99% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.91% | 80.41% | 82.96% | 90.49% | 85.43% | 84.88% | 81.72% | 80.85% | -963 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 0.57% | 0.93% | 0.85% | +85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |