Rosemount, MN · Cert 24099
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rosemount, MN · Cert 24099
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.99% | -6.73% | -6.05% | -4.21% | -3.99% | -4.37% | -4.79% | -7.23% | -302 bps | |
| Return on Equity | -45.51% | -65.33% | -62.20% | -61.23% | -60.90% | -73.20% | -91.12% | -339% | -27,782 bps | |
| Net Interest Margin | 2.97% | 2.96% | 3.03% | 2.98% | 3.01% | 2.93% | 2.84% | 2.22% | -76 bps | |
| Efficiency Ratio | 183.81% | 196.17% | 185.76% | 148.75% | 166.21% | 193.55% | 202% | 178.05% | +2,930 bps | |
| Non-Interest Burden | 6.27% | 6.75% | 6.47% | 4.78% | 5.54% | 6.48% | 6.62% | 8.93% | +415 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.80% | -10.66% | -8.58% | -11.32% | -11.59% | -11.56% | -5.17% | -44.72% | -3,339 bps | |
| Loan Growth (YoY) | -1.48% | -0.29% | -3.48% | -7.13% | -11.69% | -17.94% | -19.39% | -45.45% | -3,833 bps | |
| Deposit Growth (YoY) | -10.11% | -7.68% | -4.77% | -6.41% | -7.06% | -7.53% | 0.05% | -41.87% | -3,546 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 | 3.01% | 3.77% | 3.45% | 8.87% | 5.15% | 4.28% | 5.35% | 0.62% | -825 bps | |
| Allowance / Loans | 2.02% | 3.06% | 3.60% | 2.50% | 2.77% | 3.20% | 2.54% | 3.61% | +111 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 | 14.83% | 11.32% | 10.31% | 8.94% | 8.04% | 6.46% | 4.15% | 3.56% | -538 bps | |
| Equity / Assets | 10.44% | 8.21% | 7.32% | 6.43% | 5.86% | 4.09% | 2.39% | 1.68% | -475 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.02% | 64.89% | 62.34% | 62.24% | 59.89% | 57.58% | 50.23% | 58.40% | -384 bps | |
| Liquid Assets / Assets | 4.38% | 4.97% | 3.86% | 3.31% | 2.85% | 0.88% | 0.19% | 0.00% | -331 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |