Nisswa, MN · Cert 34592
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 0.84% | 0.12% | 0.75% | 0.10% | 0.16%1 | 0.04%1 | 0.18% | -56 bps | |
| Return on Equity | 23.01% | 11.64% | 1.09% | 4.64% | 0.54% | 0.77% | 0.20% | 0.80% | -384 bps | |
| Net Interest Margin | 3.84% | 3.57% | -1.63% | 3.55% | 3.89% | 3.55% | 3.43% | 3.48% | -7 bps | |
| Efficiency Ratio | 61.44% | 75.38% | 50.29% | 66.53% | 57.94% | 79.15% | 97.24% | 95.78% | +2,925 bps | |
| Non-Interest Burden | 2.07% | 2.58% | -1.66% | 2.21% | 1.76% | 2.75% | 3.32% | 3.30% | +109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.80% | 11.86% | 19.29% | 2.26% | -5.64% | -14.75% | -27.86% | -23.22% | -2,548 bps | |
| Loan Growth (YoY) | 5.38% | 5.78% | 5.23% | -4.44% | -16.75% | -21.29% | -27.05% | -21.49% | -1,705 bps | |
| Deposit Growth (YoY) | 6.89% | 12.90% | -0.97% | -12.79% | -23.61% | -27.12% | -26.50% | -25.70% | -1,290 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 | 1.36% | 0.31% | 0.23% | 0.22% | 3.86% | 0.05% | 2.19% | 1.19% | +97 bps | |
| Allowance / Loans | 0.87% | 0.83% | 1.39% | 1.72% | 1.71% | 2.20% | 1.93% | 1.72% | 0 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 | 11.04% | 10.63% | 8.73% | 11.30% | 12.68% | 13.64% | 13.99% | 14.73% | +343 bps | |
| Equity / Assets | 7.25% | 7.20% | 14.67% | 17.62% | 19.28% | 21.25% | 22.10% | 23.16% | +554 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.72% | 96.16% | 104.60% | 99.19% | 102.14% | 103.85% | 103.81% | 104.80% | +561 bps | |
| Liquid Assets / Assets | 0.12% | 0.08% | 0.07% | 0.09% | 0.02% | 2.67% | 0.01% | 0.18% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |