Plymouth, MN · Cert 57078
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Plymouth, MN · Cert 57078
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.68% | -0.92% | -1.79% | -4.78% | -6.77% | -5.46% | -0.03% | -1.61% | +317 bps | |
| Return on Equity | -17.62% | -9.59% | -19.14% | -58.51% | -89.95% | -77.17% | -0.32% | -11.32% | +4,719 bps | |
| Net Interest Margin | 3.65% | 3.50% | 3.32% | 3.09% | 3.21% | 3.22% | 0.48% | 2.72% | -37 bps | |
| Efficiency Ratio | 78.38% | 79.92% | 87.94% | 99.85% | 98.73% | 105.17% | 61.78% | 81.79% | -1,806 bps | |
| Non-Interest Burden | 2.73% | 2.68% | 2.86% | 3.08% | 3.15% | 3.41% | 0.43% | 1.93% | -115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 5.39% | 9.88% | 4.00% | -5.30% | -13.13% | -16.00% | -16.16% | -2,015 bps | |
| Loan Growth (YoY) | 1.23% | 9.71% | 18.13% | 8.89% | -4.98% | -15.68% | -29.17% | -33.86% | -4,276 bps | |
| Deposit Growth (YoY) | 4.42% | 4.60% | 8.52% | 5.84% | -1.85% | -9.35% | -22.36% | -23.48% | -2,931 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 | 0.72% | 0.91% | 1.50% | 4.14% | 6.36% | 6.21% | 2.53% | 2.65% | -148 bps | |
| Allowance / Loans | 2.13% | 1.75% | 1.88% | 2.31% | 3.13% | 2.80% | 0.13% | 0.35% | -196 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 | 10.30% | 11.56% | 10.06% | 9.14% | 7.58% | 7.30% | 11.22% | 11.72% | +259 bps | |
| Equity / Assets | 8.66% | 9.72% | 8.53% | 7.80% | 6.08% | 5.58% | 14.01% | 14.50% | +670 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.46% | 105.18% | 108.74% | 108.25% | 104.03% | 97.83% | 99.19% | 93.55% | -1,469 bps | |
| Liquid Assets / Assets | 1.36% | 0.29% | 0.14% | 0.15% | 0.16% | 0.16% | 0.17% | 0.18% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |