Moorhead, MN · Charter 24638
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -1.34% | -0.66% | -0.65% | -1.02% | -1.11% | -1.90% | -6.67% | -601 bps | |
| Return on Equity | -7.59% | -17.82% | -9.31% | -9.52% | -16.59% | -18.35% | -37.05% | -234% | -22,432 bps | |
| Net Interest Margin | 2.97% | 2.77% | 2.33% | 2.29% | 2.15% | 2.18% | 1.69% | 1.72% | -57 bps | |
| Efficiency Ratio | 116.35% | 140.24% | 126.58% | 125.27% | 140.03% | 142.65% | 191.63% | 417% | +29,210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.28% | 1.95% | 4.77% | 3.52% | 7.02% | 2.18% | 10.20% | -1.77% | -529 bps | |
| Loan Growth (YoY) | -4.11% | 1.16% | -9.42% | -12.56% | -8.91% | -13.71% | -11.33% | -14.36% | -180 bps | |
| Share Growth (YoY) | 2.33% | 4.36% | 7.29% | 5.68% | 9.78% | 3.96% | 12.51% | 2.31% | -337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.10% | 0.13% | 0.12% | 0.12% | 0.12% | 0.13% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.14% | 0.10% | 0.11% | 0.15% | 0.18% | 0.23% | 0.25% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.43% | 7.54% | 7.13% | 6.86% | 6.13% | 6.07% | 5.12% | 2.85% | -401 bps | |
| Net Worth / Assets | 8.43% | 7.54% | 7.13% | 6.86% | 6.13% | 6.07% | 5.12% | 2.85% | -401 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.20% | 41.69% | 38.67% | 36.21% | 34.18% | 34.61% | 30.47% | 30.31% | -590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |