Fergus Falls, MN · Charter 4634
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.
Fergus Falls, MN · Charter 4634
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -1.40% | -1.25% | -1.40% | -1.76% | -1.73% | -1.51% | -4.09% | -268 bps | |
| Return on Equity | -3.26% | -11.00% | -10.81% | -12.22% | -16.25% | -16.87% | -15.62% | -45.48% | -3,326 bps | |
| Net Interest Margin | 2.89% | 2.83% | 2.04% | 2.09% | 2.05% | 1.98% | 1.86% | 2.06% | -2 bps | |
| Efficiency Ratio | 113.96% | 147.04% | 155.40% | 161.64% | 179.56% | 181.35% | 174.47% | 284% | +12,282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.78% | -4.77% | 1.89% | -1.37% | -1.01% | 3.07% | 1.47% | -5.50% | -412 bps | |
| Loan Growth (YoY) | -6.15% | -15.63% | -19.33% | -15.32% | -10.17% | -3.13% | -4.14% | -10.58% | +474 bps | |
| Share Growth (YoY) | -2.58% | -3.48% | 4.65% | 0.80% | 1.77% | 6.07% | 3.70% | -2.79% | -358 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 2.72% | 3.91% | 3.59% | 2.47% | 2.32% | 1.84% | 2.37% | -122 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.28% | 0.29% | 0.29% | 0.28% | 0.12% | 0.13% | 0.14% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.25% | 12.70% | 11.60% | 11.48% | 10.83% | 10.28% | 9.67% | 8.98% | -249 bps | |
| Net Worth / Assets | 13.25% | 12.70% | 11.60% | 11.48% | 10.83% | 10.28% | 9.67% | 8.98% | -249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.50% | 46.24% | 42.64% | 43.40% | 43.69% | 42.23% | 39.41% | 39.92% | -348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |