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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.98% | 3.01% | 2.93% | 2.84% | 2.22% | -76 bps | |
| Efficiency Ratio | 148.75% | 166.21% | 193.55% | 202% | 178.05% | +2,930 bps | |
| Non-Interest Burden | 4.78% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 8.87% | 5.15% | 4.28% | 5.35% | 0.62% | -825 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.94% | 8.04% | 6.46% | 4.15% | 3.56% | -538 bps | |
| Equity / Assets | 6.43% | 5.86% | 4.09% | 2.39% | 1.68% | -475 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.24% | 59.89% | 57.58% | 50.23% | 58.40% | -384 bps | |
| Liquid Assets / Assets | 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 |