Shakopee, MN · Cert 22627
FDIC
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Shakopee, MN · Cert 22627
FDIC
Q3 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 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.30% | -0.28% | -0.42% | -0.56% | -0.68% | -0.91% | -0.31% | -0.22% | +34 bps | |
| Return on Equity | -14.61% | -3.38% | -4.87% | -6.65% | -8.37% | -11.55% | -3.75% | -2.53% | +413 bps | |
| Net Interest Margin | 0.43% | 2.53% | 2.72% | 2.64% | 2.64% | 3.15% | 3.16% | 3.28% | +64 bps | |
| Efficiency Ratio | 197.52% | 104.66% | 108.26% | 111.05% | 112.23% | 117.80% | 103.32% | 101.76% | -929 bps | |
| Non-Interest Burden | 1.23% | 2.71% | 3.04% | 3.05% | 3.07% | 3.80% | 3.29% | 3.34% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.23% | -31.83% | -25.02% | -19.69% | -5.72% | 25.78% | 9.78% | 5.10% | +2,479 bps | |
| Loan Growth (YoY) | -32.81% | -19.45% | -5.76% | 34.89% | 80.73% | 66.96% | 42.42% | 12.73% | -2,216 bps | |
| Deposit Growth (YoY) | -17.99% | -31.96% | -24.10% | -19.84% | -5.35% | 27.22% | 8.29% | 3.58% | +2,341 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 | 0.73% | 0.00% | 0.00% | 0.00% | -0.07% | -0.06% | -0.09% | -0.05% | -5 bps | |
| Allowance / Loans | 1.12% | 0.95% | 0.91% | 0.85% | 1.09% | 1.06% | 1.17% | 1.22% | +37 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 | 18.88% | 18.05% | 15.59% | 12.84% | 12.48% | 13.44% | 13.52% | 13.57% | +74 bps | |
| Equity / Assets | 7.68% | 9.21% | 8.87% | 7.95% | 7.44% | 8.33% | 9.47% | 9.12% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.90% | 52.23% | 57.60% | 64.70% | 64.73% | 68.55% | 75.75% | 70.42% | +572 bps | |
| Liquid Assets / Assets | 19.90% | 22.34% | 25.83% | 24.89% | 27.32% | 26.08% | 18.78% | 22.51% | -238 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |