Hawley, MN · Cert 5161
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.
Hawley, MN · Cert 5161
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 | 0.93% | 0.70% | 1.02% | 0.97% | 1.06% | 0.92% | 1.18% | 0.96% | -1 bps | |
| Return on Equity | 10.24% | 7.69% | 10.78% | 9.95% | 10.78% | 9.44% | 11.79% | 8.15% | -180 bps | |
| Net Interest Margin | 3.82% | 3.76% | 3.93% | 3.99% | 3.92% | 3.72% | 3.65% | 3.66% | -32 bps | |
| Efficiency Ratio | 64.66% | 63.22% | 66.22% | 63.51% | 62.93% | 64.44% | 66.52% | 61.04% | -247 bps | |
| Non-Interest Burden | 2.26% | 2.17% | 2.50% | 2.40% | 2.32% | 2.25% | 2.29% | 2.07% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.04% | -5.30% | -3.03% | -1.42% | 3.22% | 5.01% | 7.72% | 8.01% | +944 bps | |
| Loan Growth (YoY) | -5.46% | -4.65% | -7.00% | -5.25% | -2.01% | 0.29% | -1.60% | -5.59% | -34 bps | |
| Deposit Growth (YoY) | 9.15% | -3.92% | -1.61% | -1.06% | 5.81% | 8.40% | 10.70% | 4.43% | +550 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 | 0.34% | 0.52% | 0.01% | 0.00% | 0.10% | 0.12% | -0.02% | -0.03% | -3 bps | |
| Allowance / Loans | 1.98% | 2.33% | 2.58% | 2.57% | 2.48% | 2.45% | 2.72% | 2.72% | +15 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 | 12.44% | 12.43% | 13.29% | 13.06% | 13.62% | 13.89% | 15.26% | 19.67% | +662 bps | |
| Equity / Assets | 9.72% | 8.93% | 10.13% | 10.25% | 10.13% | 9.60% | 10.50% | 15.20% | +495 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.66% | 78.32% | 80.51% | 83.38% | 80.25% | 72.46% | 71.56% | 75.38% | -800 bps | |
| Liquid Assets / Assets | 6.07% | 9.69% | 5.38% | 5.08% | 2.93% | 11.78% | 9.31% | 9.02% | +394 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |