Minneapolis, MN · Cert 35576
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.22% | -0.74% | -1.15% | -1.51% | -0.85% | -0.08% | -2.74% | 1.32% | +283 bps | |
| Return on Equity | 22.92% | -5.19% | -7.84% | -10.53% | -6.09% | -0.57% | -21.11% | 10.63% | +2,116 bps | |
| Net Interest Margin | 3.19% | 3.11% | 3.46% | 2.90% | 3.36% | 3.02% | 2.90% | -1.04% | -393 bps | |
| Efficiency Ratio | 77.35% | 123.05% | 135.88% | 149.16% | 116.23% | 101.50% | 162.28% | 151.61% | +245 bps | |
| Non-Interest Burden | 1.62% | 4.28% | 5.51% | 5.22% | 4.23% | 3.10% | 5.56% | -3.02% | -824 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.59% | 0.03% | -12.69% | 0.71% | -7.20% | -1.19% | 11.32% | -26.33% | -2,704 bps | |
| Loan Growth (YoY) | 4.39% | -11.24% | -19.37% | -10.77% | -12.78% | 33.14% | 23.22% | -9.50% | +127 bps | |
| Deposit Growth (YoY) | -12.35% | 1.73% | -8.83% | 6.01% | -1.76% | 3.36% | 13.13% | -28.58% | -3,458 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 | -0.38% | -0.11% | -0.46% | -0.46% | 2.09% | -0.69% | 0.62% | 1.28% | +174 bps | |
| Allowance / Loans | 3.29% | 4.00% | 3.85% | 3.66% | 3.52% | 2.96% | 2.83% | 0.00% | -366 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 | 17.19% | 19.77% | 19.63% | 15.87% | 17.30% | 14.88% | 17.11% | 13.83% | -204 bps | |
| Equity / Assets | 14.50% | 14.11% | 15.22% | 13.51% | 14.53% | 13.49% | 12.46% | 12.38% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.40% | 68.30% | 76.87% | 76.80% | 76.71% | 87.97% | 83.72% | 97.31% | +2,051 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |