Hawley, MN · Cert 5161
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.00%1 | 1.02% | 0.93% | 1.26% | 0.55% | 1.18% | 0.74% | -19 bps | |
| Return on Equity | 11.76% | 0.05% | 10.78% | 9.14% | 12.36% | 5.56% | 11.79% | 5.76% | -337 bps | |
| Net Interest Margin | 4.01% | 4.08% | 3.93% | 3.97% | 3.98% | 3.86% | 3.65% | 3.71% | -26 bps | |
| Efficiency Ratio | 58.79% | 59.34% | 66.22% | 60.86% | 61.83% | 68.57% | 66.52% | 55.73% | -513 bps | |
| Non-Interest Burden | 2.17% | 2.19% | 2.50% | 2.24% | 2.28% | 2.47% | 2.29% | 1.88% | -37 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 | 0.50% | 1.05% | 0.01% | 0.00% | 0.28% | 0.21% | -0.02% | -0.05% | -5 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 |