New Prague, MN · Cert 34486
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 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.
New Prague, MN · Cert 34486
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | -0.99% | -2.15% | -1.29% | -1.78% | -3.06% | -17.26% | -13.71% | -1,242 bps | |
| Return on Equity | 8.23% | -9.92% | -25.20% | -15.47% | -21.85% | -39.44% | -423% | -511% | -49,522 bps | |
| Net Interest Margin | 3.39% | 2.32% | 2.74% | 2.73% | 2.31% | 2.15% | 2.02% | 2.12% | -61 bps | |
| Efficiency Ratio | 61.52% | 79.20% | 97.32% | 71.50% | 90.04% | 112.25% | 130.31% | 172.66% | +10,116 bps | |
| Non-Interest Burden | 1.73% | 1.65% | 2.66% | 1.57% | 1.98% | 2.55% | 2.78% | 3.84% | +227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | 4.63% | -0.19% | 2.08% | 0.54% | -5.85% | -8.87% | -17.23% | -1,931 bps | |
| Loan Growth (YoY) | 1.41% | 7.20% | 0.64% | -1.49% | -5.34% | -17.59% | -19.30% | -27.21% | -2,572 bps | |
| Deposit Growth (YoY) | 1.66% | 6.54% | 2.26% | 2.77% | 2.14% | -4.32% | -4.28% | -9.89% | -1,265 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 | 0.21% | 1.52% | 1.30% | 1.23% | 1.26% | 6.57% | 2.36% | 6.35% | +512 bps | |
| Allowance / Loans | 1.19% | 2.27% | 3.08% | 3.71% | 4.57% | 2.65% | 5.55% | 6.27% | +256 bps | |
| 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 | 13.14% | 10.41% | 9.61% | 8.88% | 7.12% | 4.19% | 3.41% | -0.69% | -958 bps | |
| Equity / Assets | 10.34% | 8.67% | 8.38% | 8.04% | 7.51% | 6.06% | 1.99% | -0.40% | -843 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.16% | 99.97% | 99.19% | 96.46% | 93.75% | 86.10% | 83.62% | 77.92% | -1,854 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |