Moose Lake, MN · Charter 20035
Q1 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.37% | 0.51% | 0.54% | 0.41% | 0.49% | 0.50% | 0.87% | +33 bps | |
| Return on Equity | 7.97% | 3.72% | 4.94% | 5.37% | 4.06% | 4.70% | 4.74% | 8.24% | +288 bps | |
| Net Interest Margin | 3.95% | 3.69% | 3.79% | 3.61% | 3.63% | 3.64% | 3.68% | 3.51% | -10 bps | |
| Efficiency Ratio | 73.05% | 83.48% | 81.56% | 79.59% | 77.13% | 78.18% | 77.02% | 76.97% | -263 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.74% | -1.47% | -0.91% | 0.50% | 1.61% | 0.59% | 1.87% | 0.51% | +2 bps | |
| Loan Growth (YoY) | -5.09% | -6.90% | -6.35% | -4.17% | -3.58% | -2.13% | -4.12% | -5.37% | -120 bps | |
| Share Growth (YoY) | -1.27% | -0.89% | -1.08% | 0.03% | 1.41% | 0.01% | 1.30% | -0.04% | -7 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.36% | 1.58% | 1.56% | 1.64% | 1.47% | 1.29% | 1.06% | 0.79% | -85 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.98% | 1.87% | 1.81% | 1.76% | 1.83% | 1.62% | 1.70% | 1.73% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.07% | 9.85% | 10.27% | 10.06% | 10.22% | 10.38% | 10.58% | 10.58% | +52 bps | |
| Net Worth / Assets | 10.07% | 9.85% | 10.27% | 10.06% | 10.22% | 10.38% | 10.58% | 10.58% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.53% | 76.84% | 77.91% | 74.91% | 75.62% | 75.20% | 73.74% | 70.92% | -399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |