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Inter Savings Bank, Federal Savings Bank

Maple Grove, MN · Cert 31495

FDIC

Q1 2012

$463.8MAssets
$395.8MLoans
$458.1MDeposits
$4.5MEquity
Loan mix
99%RE $349.6M1%C&I $2.7M0%Consumer $0.4MQ1 2011Q1 2012
Deposit mix
100%Interest-bearing $456.5M0%Noninterest $1.6MQ1 2011Q1 2012

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of -2.45%, down 205 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.02%.
  • Funding: loans stand at 86.40% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.45%-205 bps YoY

Net Interest Margin (YTD, annualized)

3.23%

Efficiency Ratio (YTD, annualized)

74.74%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.40%-0.51%-0.79%-1.13%-2.45%-205 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.23%n/an/a
Efficiency Ration/an/an/an/a74.74%n/an/a
Non-Interest Burdenn/an/an/an/a2.40%n/an/a
Growth
Asset Growth (YoY)-22.24%-19.61%-20.22%-20.16%-13.35%+890 bps
Loan Growth (YoY)-11.95%-11.20%-11.51%-12.07%-9.64%+231 bps
Deposit Growth (YoY)1.28%2.35%-4.41%-6.94%-12.03%-1,331 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a2.02%n/an/a
Allowance / Loansn/an/an/an/a3.65%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a2.62%n/an/a
Equity / Assetsn/an/an/an/a0.97%n/an/a
Liquidity & Funding
Loans / Deposits84.11%84.03%83.69%83.26%86.40%+229 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%7.11%+711 bps
CRE / Total Capitaln/an/an/an/an/an/an/a