Lino Lakes, MN · Cert 34823
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Lino Lakes, MN · Cert 34823
FDIC
Q4 2011
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 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.14% | -1.00% | -1.90% | -5.52% | -2.18% | -6.88% | -5.82% | -5.03% | +49 bps | |
| Return on Equity | -10.96% | -9.59% | -18.64% | -58.65% | -38.27% | -142.72% | -140.34% | -137.65% | -7,900 bps | |
| Net Interest Margin | 2.75% | 2.82% | 2.75% | 2.80% | 2.89% | 3.02% | 2.95% | 2.84% | +4 bps | |
| Efficiency Ratio | 104.52% | 104.34% | 123.31% | 166.47% | 131.26% | 149.13% | 222% | 201% | +3,427 bps | |
| Non-Interest Burden | 2.87% | 2.94% | 3.43% | 4.76% | 3.86% | 4.62% | 4.98% | 4.73% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.80% | -2.18% | -6.23% | -12.64% | -13.10% | -16.44% | -15.74% | -13.41% | -78 bps | |
| Loan Growth (YoY) | 1.98% | -2.70% | -12.90% | -14.89% | -14.06% | -19.86% | -20.63% | -20.89% | -600 bps | |
| Deposit Growth (YoY) | 3.29% | 2.69% | 2.44% | -7.79% | -8.29% | -9.41% | -8.59% | -9.14% | -135 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 | 1.39% | 2.44% | 2.27% | 3.00% | -0.02% | 9.37% | 6.75% | 5.32% | +233 bps | |
| Allowance / Loans | 4.01% | 3.70% | 4.64% | 4.61% | 5.05% | 4.11% | 4.89% | 5.53% | +92 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 | 10.82% | 10.62% | 9.48% | 7.73% | 7.28% | 4.29% | 3.43% | 2.82% | -491 bps | |
| Equity / Assets | 10.45% | 10.37% | 9.63% | 5.87% | 5.51% | 2.96% | 2.02% | 1.48% | -438 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.24% | 89.57% | 84.89% | 85.28% | 86.44% | 79.24% | 73.71% | 74.24% | -1,103 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 3.56% | +355 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |