Blaine, MN · Cert 20670
FDIC
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.64% | -1.51% | -1.31% | -1.30% | -0.99% | -1.39% | -1.03% | -0.88% | +42 bps | |
| Return on Equity | -17.02% | -9.84% | -8.56% | -8.53% | -6.48% | -9.04% | -6.67% | -5.66% | +286 bps | |
| Net Interest Margin | 3.73% | 3.59% | 3.47% | 3.30% | 3.35% | 3.69% | 3.69% | 3.63% | +33 bps | |
| Efficiency Ratio | 101.17% | 100.00% | 99.41% | 112.65% | 114.06% | 137.68% | 130.80% | 125.90% | +1,325 bps | |
| Non-Interest Burden | 3.78% | 3.59% | 3.44% | 3.77% | 3.89% | 5.16% | 4.91% | 4.66% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.41% | 12.82% | -2.01% | -1.89% | -7.96% | -10.38% | -10.69% | -8.64% | -675 bps | |
| Loan Growth (YoY) | -1.55% | -10.54% | -16.10% | -20.57% | -20.05% | -11.50% | -4.77% | 9.10% | +2,967 bps | |
| Deposit Growth (YoY) | 10.30% | 10.97% | -0.66% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.51% | 0.52% | 1.03% | 3.91% | 0.40% | 0.17% | 0.26% | 0.19% | -373 bps | |
| Allowance / Loans | 2.30% | 2.65% | 2.64% | 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 | 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 | 11.35% | 11.58% | 11.44% | 10.69% | 10.59% | 9.86% | 9.76% | 10.21% | -48 bps | |
| Equity / Assets | 15.17% | 15.05% | 15.05% | 14.89% | 15.67% | 15.60% | 15.81% | 15.43% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.00% | 78.39% | 76.94% | 70.56% | 75.10% | 78.17% | 83.11% | 85.94% | +1,538 bps | |
| Liquid Assets / Assets | 10.55% | 11.92% | 14.79% | 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 | n/a | n/a | n/a |