Oakdale, MN · Cert 35074
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 | -2.49% | 0.03% | 0.32% | 0.31% | -9.76% | -0.23% | -19.32% | -7.31% | -761 bps | |
| Return on Equity | -34.03% | 0.46% | 4.94% | 5.05% | -182.39% | -4.99% | -982% | 528% | +52,267 bps | |
| Net Interest Margin | 3.47% | 2.79% | 4.00% | 3.68% | 3.60% | 3.22% | 2.79% | 3.02% | -66 bps | |
| Efficiency Ratio | 114.41% | 83.24% | 75.14% | 83.39% | 89.80% | 92.01% | 192.66% | 115.62% | +3,223 bps | |
| Non-Interest Burden | 3.95% | 2.29% | 2.94% | 3.06% | 3.20% | 2.95% | 4.74% | 3.53% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.23% | 11.23% | 13.60% | 3.98% | -6.27% | -4.14% | -14.16% | -9.39% | -1,337 bps | |
| Loan Growth (YoY) | 5.90% | 8.72% | 9.53% | 3.13% | 5.56% | 1.66% | -13.87% | -21.31% | -2,444 bps | |
| Deposit Growth (YoY) | 22.38% | 11.77% | -1.16% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.99% | 0.55% | 0.16% | 0.77% | 0.55% | 2.05% | 27.68% | 11.44% | +1,068 bps | |
| Allowance / Loans | 1.60% | 1.58% | 1.69% | 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 | 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 | 10.14% | 10.25% | 10.21% | 10.28% | 7.83% | 7.52% | 2.10% | -1.17% | -1,145 bps | |
| Equity / Assets | 6.71% | 6.80% | 6.21% | 5.88% | 4.81% | 4.46% | -0.69% | -2.05% | -794 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.70% | 87.51% | 100.62% | 102.16% | 95.99% | 92.81% | 81.68% | 74.84% | -2,733 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |