Baxter, MN · Cert 31063
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Baxter, MN · Cert 31063
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | -0.41% | -2.09% | -1.52% | -0.11% | -0.04% | 0.06% | 0.10% | +162 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 2.98% | 3.17% | 3.30% | 3.27% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 105.27% | 97.99% | 95.56% | 92.23% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 3.20% | 3.09% | 3.12% | 2.93% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.43% | -8.40% | -7.20% | -2.41% | -2.46% | -3.09% | -2.59% | 0.84% | +325 bps | |
| Loan Growth (YoY) | -15.32% | -12.71% | -11.69% | -10.61% | -6.71% | -4.71% | -0.72% | 2.30% | +1,291 bps | |
| Deposit Growth (YoY) | 2.02% | -5.22% | -2.19% | 1.65% | 1.65% | 0.12% | 1.22% | 5.23% | +358 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 | n/a | n/a | n/a | n/a | 0.70% | 0.83% | 0.65% | 0.57% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.82% | 1.67% | 1.59% | 1.62% | n/a | |
| 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 | n/a | n/a | n/a | n/a | 12.48% | 12.29% | 12.31% | 12.02% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 10.15% | 10.43% | 10.31% | 9.95% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.94% | 97.22% | 91.02% | 88.11% | 88.04% | 92.53% | 89.28% | 85.65% | -246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 13.00% | 9.23% | 10.00% | 5.86% | +586 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |