Melrose, MN · Charter 24654
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Melrose, MN · Charter 24654
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.52% | 1.51% | 2.24% | 1.97% | 1.75% | 1.08% | 1.03% | -121 bps | |
| Return on Equity | 10.87% | 10.12% | 10.49% | 15.20% | 13.21% | 11.58% | 7.02% | 6.90% | -830 bps | |
| Net Interest Margin | 3.93% | 3.89% | 3.70% | 3.67% | 3.72% | 3.76% | 3.98% | 3.91% | +25 bps | |
| Efficiency Ratio | 62.24% | 63.22% | 64.93% | 53.68% | 56.92% | 60.47% | 70.03% | 69.17% | +1,548 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.64% | 9.11% | 7.12% | 6.73% | 7.23% | 4.96% | 3.18% | 8.43% | +170 bps | |
| Loan Growth (YoY) | 12.52% | 12.63% | 7.83% | 5.80% | 5.68% | 3.87% | 5.11% | 7.27% | +147 bps | |
| Share Growth (YoY) | 6.58% | 5.92% | 6.32% | 5.55% | 6.89% | 6.73% | 4.21% | 9.37% | +382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.59% | 2.53% | 4.12% | 3.24% | 2.64% | 2.55% | 3.02% | -110 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 | 0.49% | 0.45% | 0.45% | 0.54% | 0.56% | 0.54% | 0.55% | 0.60% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.13% | 15.06% | 14.41% | 14.75% | 14.90% | 15.11% | 15.33% | 14.99% | +24 bps | |
| Net Worth / Assets | 15.13% | 15.06% | 14.41% | 14.75% | 14.90% | 15.11% | 15.33% | 14.99% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.11% | 104.55% | 100.09% | 101.58% | 102.94% | 101.75% | 100.95% | 99.62% | -196 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |