Oakdale, MN · Cert 35074
FDIC
Q3 2009
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | -2.24% | -0.23% | -9.50% | -8.72% | -894 bps | |
| Return on Equity | 3.40% | -36.84% | -4.99% | -320% | -502% | -50,524 bps | |
| Net Interest Margin | 3.47% | 3.56% | 3.22% | 3.08% | 3.11% | -36 bps | |
| Efficiency Ratio | 80.17% | 82.65% | 92.01% | 129.17% | 124.34% | +4,417 bps | |
| Non-Interest Burden | 2.75% | 2.91% | 2.95% | 3.91% | 3.85% | +110 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.98% | -6.27% | -4.14% | -14.16% | -9.39% | -1,337 bps | |
| Loan Growth (YoY) | 3.13% | 5.56% | 1.66% | -13.87% | -21.31% | -2,444 bps | |
| Deposit Growth (YoY) | 0.36% | -11.27% | -4.15% | 6.10% | 7.42% | +706 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.51% | 2.05% | 14.99% | 14.76% | +1,427 bps | |
| Allowance / Loans | 1.60% | 4.61% | 4.38% | 3.59% | 3.48% | +187 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.28% | 7.83% | 7.52% | 2.10% | -1.17% | -1,145 bps | |
| Equity / Assets | 5.88% | 4.81% | 4.46% | -0.69% | -2.05% | -794 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.16% | 95.99% | 92.81% | 81.68% | 74.84% | -2,733 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 3.27% | 12.27% | +1,227 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |