Plymouth, MN · Cert 57078
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.78% | 0.53% | -4.24% | -4.78% | -8.88% | -2.67% | 17.63% | -1.61% | +317 bps | |
| Return on Equity | -30.08% | 5.75% | -46.52% | -58.51% | -127.37% | -45.86% | 180.61% | -11.32% | +4,719 bps | |
| Net Interest Margin | 3.42% | 3.36% | 3.20% | 3.09% | 3.15% | 2.90% | -8.05% | 2.72% | -37 bps | |
| Efficiency Ratio | 85.54% | 83.23% | 113.41% | 99.85% | 97.58% | 129.09% | 92.99% | 81.79% | -1,806 bps | |
| Non-Interest Burden | 2.84% | 2.71% | 3.69% | 3.08% | 3.05% | 3.58% | -8.85% | 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 | 1.46% | 1.33% | 3.38% | 4.14% | 8.15% | 4.81% | -11.12% | 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 |