Bloomington, MN · Cert 35246
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Bloomington, MN · Cert 35246
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.01% | -3.91% | -9.65% | -4.78% | -4.59% | -3.88% | -1.36% | -3.28% | +150 bps | |
| Return on Equity | -39.84% | -54.11% | -201% | -103.47% | -106.75% | -95.49% | -47.84% | -137.19% | -3,372 bps | |
| Net Interest Margin | 2.45% | 2.65% | 2.47% | 2.74% | 2.85% | 2.89% | 2.67% | 2.67% | -6 bps | |
| Efficiency Ratio | 101.98% | 106.68% | 102.34% | 92.44% | 108.90% | 101.75% | 83.13% | 210% | +11,710 bps | |
| Non-Interest Burden | 2.50% | 2.82% | 2.52% | 2.54% | 3.05% | 2.93% | 2.23% | 3.85% | +131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.15% | -18.44% | -26.14% | -27.70% | -26.27% | -22.14% | -13.41% | -12.61% | +1,510 bps | |
| Loan Growth (YoY) | -19.71% | -27.07% | -27.49% | -26.46% | -23.56% | -17.05% | -14.53% | -14.11% | +1,235 bps | |
| Deposit Growth (YoY) | 2.23% | -8.23% | -17.03% | -20.19% | -23.94% | -20.19% | -12.58% | -10.81% | +939 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 | 3.72% | 5.80% | 2.99% | 3.08% | 3.10% | 4.60% | 0.54% | 4.01% | +93 bps | |
| Allowance / Loans | 2.87% | 2.82% | 5.33% | 4.88% | 5.37% | 4.13% | 4.66% | 3.82% | -106 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 | 9.95% | 8.74% | 6.16% | 6.58% | 5.40% | 5.05% | 4.74% | 3.09% | -349 bps | |
| Equity / Assets | 6.75% | 5.66% | 3.84% | 4.22% | 3.22% | 2.98% | 2.70% | 1.46% | -276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.12% | 83.51% | 88.30% | 87.02% | 87.56% | 86.81% | 86.33% | 83.80% | -322 bps | |
| Liquid Assets / Assets | 0.74% | 7.19% | 1.47% | 1.86% | 3.97% | 3.09% | 4.35% | 3.75% | +189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |