Andover, MN · Cert 57157
FDIC
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.32% | -2.44% | -2.20% | -1.81% | -1.80% | -1.67% | -2.15% | -2.69% | -88 bps | |
| Return on Equity | -95.23% | -71.21% | -66.77% | -56.08% | -62.62% | -61.56% | -85.11% | -122.62% | -6,653 bps | |
| Net Interest Margin | 2.63% | 2.79% | 2.81% | 2.77% | 2.96% | 3.01% | 3.06% | 3.25% | +48 bps | |
| Efficiency Ratio | 179.71% | 149.63% | 181.85% | 171.86% | 164.20% | 192.42% | 185.86% | 206% | +3,427 bps | |
| Non-Interest Burden | 4.15% | 3.97% | 4.45% | 4.51% | 4.54% | 5.06% | 5.09% | 5.97% | +147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.46% | -23.25% | -18.94% | -17.35% | -19.76% | -16.10% | -25.93% | -20.98% | -363 bps | |
| Loan Growth (YoY) | -18.76% | -18.99% | -16.29% | -21.17% | -18.13% | -16.78% | -17.07% | -16.33% | +484 bps | |
| Deposit Growth (YoY) | -19.21% | -21.41% | -16.80% | -17.26% | -20.19% | -11.13% | -21.49% | -14.96% | +230 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 | 0.56% | 0.48% | 0.30% | 0.90% | -0.43% | -0.23% | 2.53% | 5.25% | +435 bps | |
| Allowance / Loans | 5.13% | 5.57% | 5.70% | 5.04% | 5.34% | 5.30% | 4.17% | 1.23% | -381 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 | 5.74% | 5.44% | 5.09% | 5.11% | 4.65% | 4.32% | 3.45% | 1.54% | -358 bps | |
| Equity / Assets | 3.22% | 3.28% | 2.92% | 2.91% | 2.82% | 2.41% | 1.84% | 0.69% | -222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.03% | 77.75% | 72.22% | 72.54% | 80.04% | 72.80% | 76.28% | 71.37% | -117 bps | |
| Liquid Assets / Assets | 9.37% | 7.46% | 12.71% | 13.85% | 7.69% | 16.34% | 13.96% | 16.51% | +266 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |