Blaine, MN · Cert 20670
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.26% | -0.99% | -1.82% | -0.29% | -0.40% | +86 bps | |
| Return on Equity | -8.40% | -6.48% | -11.61% | -1.84% | -2.57% | +584 bps | |
| Net Interest Margin | 2.71% | 3.35% | 3.75% | 3.63% | 3.53% | +82 bps | |
| Efficiency Ratio | 166.55% | 114.06% | 165.15% | 117.31% | 111.48% | -5,508 bps | |
| Non-Interest Burden | 4.64% | 3.89% | 6.11% | 4.33% | 3.99% | -65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.89% | -7.96% | -10.38% | -10.69% | -8.64% | -675 bps | |
| Loan Growth (YoY) | -20.57% | -20.05% | -11.50% | -4.77% | 9.10% | +2,967 bps | |
| Deposit Growth (YoY) | -0.07% | -8.44% | -11.25% | -11.85% | -10.42% | -1,035 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 12.27% | 0.40% | -0.05% | 0.47% | -0.02% | -1,229 bps | |
| Allowance / Loans | 0.89% | 1.01% | 1.14% | 1.05% | 1.36% | +47 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.69% | 10.59% | 9.86% | 9.76% | 10.21% | -48 bps | |
| Equity / Assets | 14.89% | 15.67% | 15.60% | 15.81% | 15.43% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.56% | 75.10% | 78.17% | 83.11% | 85.94% | +1,538 bps | |
| Liquid Assets / Assets | 15.46% | 7.79% | 6.73% | 8.90% | 5.68% | -978 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |