North Branch, MN · Cert 23306
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -14.84% | -13.34% | -4.27% | -13.73% | -5.21% | -6.15% | -4.55% | -10.12% | +360 bps | |
| Return on Equity | -98.95% | -92.34% | -32.17% | -105.95% | -44.99% | -57.88% | -45.02% | -108.65% | -269 bps | |
| Net Interest Margin | 0.58% | 0.62% | 1.12% | 0.70% | 0.77% | 1.95% | 1.51% | 1.77% | +106 bps | |
| Efficiency Ratio | 56.44% | n/a | 487% | n/a | 319% | 453% | 314% | 798% | n/a | |
| Non-Interest Burden | 0.54% | 13.11% | 6.99% | 14.48% | 6.62% | 8.16% | 6.75% | 11.92% | -256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -42.47% | -38.65% | -41.78% | -48.07% | -28.43% | -30.65% | -28.18% | -25.17% | +2,290 bps | |
| Loan Growth (YoY) | -55.06% | -53.74% | -60.05% | -58.02% | -41.02% | -41.12% | -25.74% | -21.78% | +3,624 bps | |
| Deposit Growth (YoY) | -45.01% | -38.19% | -42.24% | -45.00% | -20.25% | -24.62% | -20.96% | -22.14% | +2,286 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 | 24.87% | 6.36% | 1.22% | 9.76% | 3.40% | -0.93% | 4.69% | -2.68% | -1,244 bps | |
| Allowance / Loans | 5.93% | 5.23% | 6.51% | 5.07% | 4.57% | 5.18% | 3.74% | 4.76% | -31 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 | 20.92% | 17.75% | 18.53% | 15.56% | 14.68% | 13.51% | 14.22% | 12.11% | -344 bps | |
| Equity / Assets | 16.09% | 12.79% | 13.82% | 11.98% | 11.18% | 10.04% | 10.16% | 8.40% | -358 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.45% | 64.62% | 60.45% | 55.08% | 53.57% | 50.48% | 56.79% | 55.34% | +25 bps | |
| Liquid Assets / Assets | 0.82% | 9.50% | 6.42% | 0.36% | 4.16% | 8.57% | 14.37% | 19.39% | +1,903 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |