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Rosemount National Bank

Rosemount, MN · Cert 24099

FDIC

Q1 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rosemount National Bank

Rosemount, MN · Cert 24099

FDIC

Q1 2011

$21.5MAssets
$12.3MLoans
$21.0MDeposits
$361KEquity
Loan mix
71%RE $6.3M23%C&I $2.0M6%Consumer $0.5MQ1 2010Q1 2011
Deposit mix
76%Interest-bearing $15.9M24%Noninterest $5.1MQ1 2010Q1 2011

NIM

3.83%Q1 ’093.79%Q1 ’102.77%Q1 ’11+8%-25%

Non-interest income vs. expense

5.40%Q1 ’095.47%Q1 ’1011.80%Q1 ’11+6%+87%

Executive Summary

  • Earnings: ROA of -7.23%, down 302 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.62%.
  • Funding: loans stand at 58.40% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-7.23%-302 bps YoY

Net Interest Margin (YTD, annualized)

2.22%-76 bps YoY

Efficiency Ratio (YTD, annualized)

178.05%+2,930 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-4.21%-3.99%-4.37%-4.79%-7.23%-302 bps
Return on Equity-61.23%-60.90%-73.20%-91.12%-339%-27,782 bps
Net Interest Margin2.98%3.01%2.93%2.84%2.22%-76 bps
Efficiency Ratio148.75%166.21%193.55%202%178.05%+2,930 bps
Non-Interest Burden4.78%5.54%6.48%6.62%8.93%+415 bps
Growth
Asset Growth (YoY)-11.32%-11.59%-11.56%-5.17%-44.72%-3,339 bps
Loan Growth (YoY)-7.13%-11.69%-17.94%-19.39%-45.45%-3,833 bps
Deposit Growth (YoY)-6.41%-7.06%-7.53%0.05%-41.87%-3,546 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans8.87%5.15%4.28%5.35%0.62%-825 bps
Allowance / Loans2.50%2.77%3.20%2.54%3.61%+111 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital8.94%8.04%6.46%4.15%3.56%-538 bps
Equity / Assets6.43%5.86%4.09%2.39%1.68%-475 bps
Liquidity & Funding
Loans / Deposits62.24%59.89%57.58%50.23%58.40%-384 bps
Liquid Assets / Assets3.31%2.85%0.88%0.19%0.00%-331 bps
CRE / Total Capitaln/an/an/an/an/an/an/a