Brewster, MN · Cert 5102
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Brewster, MN · Cert 5102
FDIC
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.23% | 0.25% | 0.73% | 0.38% | 0.36% | 0.42% | 0.28% | -45 bps | |
| Return on Equity | 1.38% | 1.43% | 1.54% | 4.45% | 2.27% | 2.13% | 2.48% | 1.59% | -286 bps | |
| Net Interest Margin | 3.37% | 3.24% | 3.16% | 2.98% | 3.14% | 3.19% | 3.27% | 3.44% | +46 bps | |
| Efficiency Ratio | 80.29% | 80.13% | 79.78% | 89.35% | 88.32% | 84.30% | 79.65% | 79.02% | -1,033 bps | |
| Non-Interest Burden | 2.85% | 2.73% | 2.66% | 2.79% | 2.94% | 2.84% | 2.73% | 2.87% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 9.86% | 1.28% | -1.00% | -3.17% | -8.37% | -8.09% | -1.45% | -44 bps | |
| Loan Growth (YoY) | 12.93% | 18.94% | 12.92% | 31.13% | 11.75% | 18.82% | 20.11% | 3.23% | -2,790 bps | |
| Deposit Growth (YoY) | -1.79% | 6.74% | 0.97% | -1.58% | -3.91% | -11.67% | -11.39% | -3.73% | -215 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 | -0.22% | -0.14% | -0.10% | 0.00% | 0.00% | 0.01% | 0.01% | -0.09% | -9 bps | |
| Allowance / Loans | 1.83% | 1.81% | 1.61% | 1.48% | 1.64% | 1.52% | 1.33% | 1.45% | -3 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 | 20.71% | 19.93% | 18.93% | 18.90% | 20.60% | 19.28% | 18.30% | 18.45% | -45 bps | |
| Equity / Assets | 16.69% | 15.92% | 15.62% | 17.04% | 17.60% | 17.74% | 17.44% | 17.60% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.02% | 53.21% | 58.29% | 69.27% | 65.14% | 71.57% | 79.01% | 74.27% | +501 bps | |
| Liquid Assets / Assets | 0.61% | 0.59% | 0.58% | 0.63% | 0.13% | 10.46% | 12.39% | 11.76% | +1,113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |